326 Terrace Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 326 Terrace Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,380 sqft · built 1948
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Company Names on Record
Tax Bill	$5,530 (2026)
Deeds & Mortgages	Aug 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 37.20-4-5`

Property Details

APN / Parcel Number

Primary APN	`422800 37.20-4-5`
Alternative APN	`280003702000040050000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	187 ft deep x 103 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	150 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	326 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-20 7.-541-22
Legal Block	4
Legal Lot Number	5.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1064
Census Tract	32602

Owner

Source: Schenectady County and Rotterdam Town records, as of September 23, 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	2 Company Names on Record
Mailing Address	326 TERRACE RD, SCHENECTADY, NY 12306-1714
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2021
Deed Sale	Aug 25, 2021
Prior Sale	Sep 7, 2005 · Amount on Record
Deed Document Number	202141671
Deed Book / Page	2065 / 784
Prior Transfer Date	May 22, 2021
Prior Transfer Doc	0000041671
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 25, 2021
Property Address	326 TERRACE RD, SCHENECTADY, NY 12306-1714
Document Number	0000041671
Book / Page	2065 / 784
Instrument Date	May 22, 2021
Instrument	202141671
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 TERRACE RD, SCHENECTADY, NY 12306-1714

Mortgage

Document Number	0000041672
Date	Aug 25, 2021
Instrument	202141672

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	914 Months
Due	Sep 30, 2097

Interest

Rate Type	Adjustable Rate
Rate	1.58%
Type Change Date	Jul 1, 2021
Change Frequency	Monthly
Max Rate	6.58%

Tax Assessment & Valuation

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	$5,530.00 (-7.32%) Homeowner's exemption
2025	$5,967.00	$149,000 (-) Land $17,600 Building $131,400	$229,200 (+16.88%) Land $27,073 Building $202,127
2023		$149,000 Land $17,600 Building $131,400	$196,100 Land $23,163 Building $172,937

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 · 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	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

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	None 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 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