Schenectady County and Rotterdam Town property record for 314 Terrace Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,356 sqft · built 1951 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Company Name on Record |
| Last Sale | $120,000 (Aug 2024) |
| Tax Bill | $5,493 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage May 2024 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 37.20-4-3 |
| Primary APN | 422800 37.20-4-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| 1st Floor Area | 1,356 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 194 ft deep x 104 ft wide |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 314 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,FP WEST HILL DEV 1 - M-22 7.-541-24 |
| Legal Block | 4 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 32602 |
Source: Schenectady County and Rotterdam Town records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 658 LISHAKILL RD, SCHENECTADY, NY 12309-3130 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL LENDER LLC |
| May 15, 2024 | Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC |
| Oct 23, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2024 · Amount on Record |
| Deed Sale | Aug 27, 2024 · Amount on Record |
| Prior Sale | Oct 23, 2023 · Amount on Record |
| Deed Document Number | 202450878 |
| Deed Book / Page | 2136 / 461 |
| Prior Transfer Date | May 24, 2024 |
| Prior Transfer Doc | 0000050878 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 7, 2026 |
| Property Address | 314 TERRACE RD, SCHENECTADY, NY 12306-1714 |
| Document Number | 0000007789 |
| Instrument Date | Feb 11, 2026 |
| Instrument | 20267789 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PRIORITY 1 ABSTRACT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 2422 HAMBURG ST, SCHENECTADY, NY 12303-3084 |
| Document Number | 0000007789, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 20267789 |
| Name | COMMERCIAL LENDER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.06% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 15, 2024 |
| Property Address | 314 TERRACE RD, SCHENECTADY, NY 12306-1714 |
| Document Number | 0000029237 |
| Book / Page | 2131 / 231 |
| Map Reference | MAP F-25 |
| Instrument Date | May 3, 2024 |
| Instrument | 202429237 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 14, 2026 |
| Title Company | STEWART TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $596.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 204 LAFAYETTE ST, SCHENECTADY, NY 12305-2406 |
| Name | Verified Name |
|---|---|
| Address | 163 N ALLEN ST, ALBANY, NY 12206-1740 |
| Document Number | 0000029238 |
|---|---|
| Date | May 15, 2024 |
| Instrument | 202429238 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 23, 2023 |
| Property Address | 314 TERRACE RD, SCHENECTADY, NY 12306-1714 |
| Document Number | 0000059675 |
| Book / Page | 2118 / 84 |
| Instrument Date | Oct 5, 2023 |
| Instrument | 202359675 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $512.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2533 CAMPBELL AVE, SCHENECTADY, NY 12306-3205 |
| Name | Verified Name |
|---|---|
| Address | 204 LAFAYETTE ST # 2A, 2A, SCHENECTADY, NY 12305-2412 |
Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Schalmont Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,493.00 (-7.32%) | ||
| 2025 | $5,927.00 | $148,000 (-) Land $18,400 Building $129,600 | $227,700 (+16.95%) Land $28,309 Building $199,391 |
| 2023 | $148,000 Land $18,400 Building $129,600 | $194,700 Land $24,206 Building $170,494 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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.
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 |
| 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.
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 |
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