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3096 Guilderland Ave, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 3096 Guilderland Ave, Schenectady, NY 12306

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,440 sqft · built 2019
Lot Size0.15 acres (6,534 sqft)
OwnerIndividual Name on Record
Last Sale$288,000 (Jul 2026)
Tax Bill$7,630 (2026)
Deeds & MortgagesJul 2026 Sale & Mortgage
Nov 2020 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN422800 58.12-5-7.11

Property Details

APN / Parcel Number

Primary APN422800 58.12-5-7.11

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,440 sqft Living Area
Gross Area920 sqft
1st Floor Area720 sqft
2nd Floor Area720 sqft

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area6,534 sqft (0.15 acres)
Lot Dimensions125 ft deep x 51 ft wide
Garage TypeDetached
Garage Area200 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area108 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address3096 GUILDERLAND AVE
CitySCHENECTADY
StateNY
Zip12306-3655
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeB-1
Legal SubdivisionHOMELANDS
Legal Block5
Legal Lot Number7.011
JurisdictionSCHENECTADY NY
Township / Civil DivisionROTTERDAM
Census Block Group3
Census Block3010
Census Tract33004

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address428 MCCLELLAN ST, SCHENECTADY, NY 12304-1134
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 27, 2026Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Nov 4, 2020Warranty Deed, Transfer · FHA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 18, 2019Deed of Trust, Mortgage
PRIVATE INDIVIDUAL
Oct 23, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 27, 2026 · Amount on Record
Deed SaleJul 27, 2026 · Amount on Record
Prior SaleNov 19, 2024
Deed Document Number202616783
Deed Book / Page2176 / 450
Prior Transfer DateSep 25, 2024
Prior Transfer Doc0000069697
Record UpdatedOct 29, 2026

July 2026: Deed, Transfer

Document TypeDeed
JurisdictionSCHENECTADY NY
Recording DateJul 27, 2026
Property Address3096 GUILDERLAND AVE, SCHENECTADY, NY 12306-3655
Document Number0000016783
Book / Page2176 / 450
Instrument DateJun 30, 2026
Instrument202616783
Transaction TypeTransfer
Record UpdatedAug 5, 2026
Title CompanySTEWART TITLE COMPANY (BA), STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$116,352.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000016784,
DateJul 27, 2026
Instrument202616784
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate TypeFixed Rate
Rate6.52%
Initial TypeFixed Rate
Max Rate-1%

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateNov 4, 2020
Property Address3096 GUILDERLAND AVE, SCHENECTADY, NY 12306-3655
Document Number0000034230
Book / Page2044 / 955
Instrument DateOct 29, 2020
Instrument202034230
Transaction TypeTransfer
Record UpdatedMay 10, 2022
Title CompanyNEW YORK ABSTRACT LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$860.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address800 RIVER RD, 800, SCHODACK LANDING, NY 12156-9701

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address709 LOEBER RD, SCHENECTADY, NY 12303-5501

Mortgage

Document Number0000034231
DateNov 4, 2020
Instrument202034231
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2050

January 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address3096 GUILDERLAND AVE, SCHENECTADY, NY 12306-3655
Document Number0000003838
Instrument DateJan 18, 2019
Transaction TypeMortgage
Record UpdatedMar 18, 2020
Title CompanyMARATHON TITLE AGENCY INC, MARATHON TITLE AGCY INC

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address800 RIVER RD SCHODACK LANDING NY 121569701, SCHODACK LANDING, NY 12156-9701

Mortgage

Document Number0000003838
DateJan 28, 2019
Book Page004891/000921
Instrument3838
Lender
NamePRIVATE INDIVIDUAL
TypePrivate Party
AddressMENANDS, NY 12204
Agreement
AmountAmount Recorded

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateOct 23, 2017
Property Address3096 GUILDERLAND AVE, SCHENECTADY, NY 12306-3655
Document Number0000047681
Book / Page001973 / 000715
Instrument DateOct 12, 2017
Instrument47681
Transaction TypeTransfer
Record UpdatedMar 18, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$8.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address800 RIVER RD SCHODACK LANDING NY 121569701, SCHODACK LANDING, NY 12156-9701

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
County SubdivisionRotterdam Town
Unified School DistrictRotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$7,630.00 (+1.91%)
2025$7,487.00$204,300 (-) Land $5,900 Building $198,400$314,300 (+16.93%) Land $9,077 Building $305,223
2023$204,300 Land $5,900 Building $198,400$268,800 Land $7,763 Building $261,037

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemROTTERDAM WD #5
serves 28,000 people · EPA ID NY4600069
Water SourceGroundwater
Last State InspectionMar 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 501 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Greenlight Networks
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880

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