Schenectady County and Schenectady City property record for 320 Gifford Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,360 sqft · built 1992 |
| Lot Size | 0.128 acres (5,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $154,000 (Apr 2019) |
| Tax Bill | $6,878 (2026) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Apr 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.71-1-4.2 |
| Primary APN | 421500 60.71-1-4.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 782 sqft |
| Basement Area | 578 sqft |
| Finished Basement | 578 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,600 sqft (0.128 acres) |
| Lot Dimensions | 140 ft deep x 40 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 180 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 320 GIFFORD RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 617 RAISED RANCH |
| Legal Subdivision | SCHENECTADY TERRACE |
| Legal Block | 1 |
| Legal Lot Number | 4.002 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 21802 |
320 Gifford Rd is owned and occupied by two individuals who bought it in April 2019.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 GIFFORD RD, SCHENECTADY, NY 12304-3924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 8, 2020 | Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Apr 29, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2019 · Amount on File |
| Deed Sale | Apr 29, 2019 · Amount on File |
| Prior Sale | May 23, 2014 · Amount on File |
| Deed Document Number | 201918223 |
| Deed Book / Page | 2010 / 108 |
| Prior Transfer Date | Dec 24, 2015 |
| Prior Transfer Doc | 0000000278 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 8, 2020 |
| Property Address | 320 GIFFORD RD, SCHENECTADY, NY 12304-3924 |
| Document Number | 0000038959 |
| Book / Page | 2047 / 562 |
| Instrument Date | Dec 3, 2020 |
| Instrument | 202038959 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | LEGACY TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $676.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 140 HILLCREST AVE, 140, SCHENECTADY, NY 12304-2211 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2037 WILLIAM ST, SCHENECTADY, NY 12306-4420 |
| Document Number | 0000038960 |
|---|---|
| Date | Dec 8, 2020 |
| Instrument | 202038960 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 3, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 29, 2019 |
| Property Address | 320 GIFFORD RD, SCHENECTADY, NY 12304-3924 |
| Document Number | 0000018223 |
| Book / Page | 002010 / 000108 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 18223 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $616.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 130 PAPOOSE PATH MIDDLEBURGH NY 121224708, MIDDLEBURGH, NY 12122-4708 |
The 2026 property tax bill for 320 Gifford Rd was $6,878, up 1.9% from the year before.
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,878.00 (+1.85%) | ||
| 2025 | $6,753.00 | $136,200 Land $20,400 Building $115,800 | $225,534 Land $33,780 Building $191,754 |
| 2023 | $136,200 (-) Land $20,400 Building $115,800 | $172,405 (+3.8%) Land $25,823 Building $146,582 | |
| 2022 | $136,200 Land $20,400 Building $115,800 | $166,098 Land $24,878 Building $141,220 | |
| 2021 | $6,472.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Gifford Rd in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 in force |
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.
The area around 320 Gifford Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) 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.
Source: FCC Broadband Data Collection, based on 619 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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