306 Terrace Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 306 Terrace Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,938 sqft · built 1950
Lot Size	1.57 acres (68,389 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Feb 2026)
Tax Bill	$8,462 (2026)
Deeds & Mortgages	Feb 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`422800 37.20-4-1`

Property Details

APN / Parcel Number

Primary APN	`422800 37.20-4-1`
Alternative APN	`280003702000040010000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,938 sqft Living Area
1st Floor Area	2,054 sqft
Upper Floors Area	884 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Architectural Style	Cape Cod
Exterior Material	Concrete
Lot Area	68,389 sqft (1.57 acres)
Lot Dimensions	215 ft deep x 316 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	616 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	306 TERRACE RD
City	SCHENECTADY
State	NY
Zip	12306-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G WEST HILL DEV 1-M-24,M-25 7.-542-1
Legal Block	4
Legal Lot Number	1.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1064
Census Tract	32602

Owner

306 Terrace Rd is owned and occupied by an individual who bought it in February 2026.

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	4 NICHOLAS AVE, SCHENECTADY, NY 12309-5911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2026 · Amount on File
Deed Sale	Feb 19, 2026 · Amount on File
Deed Document Number	20263365
Deed Book / Page	2166 / 483
Record Updated	Oct 29, 2026

February 2026: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 19, 2026
Property Address	306 TERRACE RD, SCHENECTADY, NY 12306-1714
Document Number	0000003365
Map Reference	CAB F-207
Instrument Date	Jan 7, 2026
Instrument	202603365
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	507 TERRACE RD, SCHENECTADY, NY 12306-1717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 NICHOLAS AVE, NISKAYUNA, NY 12309-5911

Tax Assessment & Valuation

The 2026 property tax bill for 306 Terrace Rd was $8,462 with exemptions applied, down 7.3% from the year before.

Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Schalmont Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,462.00 (-7.33%) Homeowner's exemption Senior Citizen's exemption
2025	$9,131.00	$228,000 Land $43,800 Building $184,200	$350,800 Land $67,391 Building $283,409
2023		$228,000 Land $43,800 Building $184,200	$300,000 Land $57,632 Building $242,368

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 306 Terrace Rd in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	31 (1996–2026)
Claims Outside the SFHA	12 of 31
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims Hurricane Irene, Aug 2011 · 20 claims Severe Storms And Flooding, Jun 2006 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 306 Terrace Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WEST HILL WATER COMPANY INC. private · serves 180 people · EPA ID NY4600072
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20