1. Home
  2. New York
  3. Schenectady
  4. Terrace Rd

331 Terrace Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 331 Terrace Rd, Schenectady, NY 12306 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,072 sqft · built 1950
Lot Size0.49 acres (21,344 sqft)
OwnerCompany Name on File
Last Sale$162,000 (Nov 2023)
Tax Bill$8,009 (2025)
Deeds & MortgagesOct 2025 Mortgage
Nov 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN422800 37.20-1-7

Property Details

APN / Parcel Number

Primary APN422800 37.20-1-7
Alternative APN
  • 280003702000010070000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,072 sqft Living Area
1st Floor Area1,352 sqft
Basement Area720 sqft
Finished Basement720 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 2010
Architectural StyleRaised Ranch
Exterior MaterialWood
Lot Area21,344 sqft (0.49 acres)
Lot Dimensions221 ft deep x 97 ft wide
Garage TypeBasement
PorchSlab

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address331 TERRACE RD
CitySCHENECTADY
StateNY
Zip12306-1713
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionR,G,FP,ENCPT WEST HILL DEV 1 - L-8 7.-541-6
Legal Block1
Legal Lot Number7.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionROTTERDAM
Census Block Group1
Census Block1061
Census Tract32602

Owner

Source: Schenectady County and Rotterdam Town records · APN 422800 37.20-1-7

Assessment roll updated April 14, 2026 · Last verified April 2026

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

Owner of RecordCompany Name on File
Mailing Address1719 BROADWAY, SCHENECTADY, NY 12306-4928
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Oct 24, 2025Deed of Trust, Mortgage
NBT BANK NATIONAL ASSOCIATION
Nov 02, 2023Warranty Deed, Transfer · Stand-Alone First Mortgage
AMERISTAR FINANCIAL CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 02, 2023 · Amount on Record
Deed SaleNov 02, 2023 · Amount on Record
Prior SaleApr 21, 1995 · Amount on Record
Deed Document Number202362170
Deed Book / Page2118 / 969
Record UpdatedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address331 TERRACE RD, SCHENECTADY, NY 12306-1713
Transaction TypeMortgage
Record UpdatedNov 07, 2025
Title CompanyFRONTIER ABSTRACT AND RESEARCH, FRONTIER ABSTRACT & RESEARCH

Transferred To (Grantee/Buyer)

NameVerified Name
Address238 GLEN AVE, SCOTIA, NY 12302-2127

Mortgage

Document Number0000025317
DateOct 24, 2025
Instrument202525317
Lender
NameNBT BANK NATIONAL ASSOCIATION
TypeBank
AddressCLIFTON PARK, NY 12065
Agreement
AmountAmount Recorded

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateNov 02, 2023
Property Address331 TERRACE RD, SCHENECTADY, NY 12306-1713
Document Number0000062170
Book / Page2118 / 969
Instrument DateSep 01, 2023
Instrument202362170
Transaction TypeTransfer
Record UpdatedNov 20, 2023
Title CompanySTEWART TITLE, STEWART TITLE INS CO UPSTATE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$540.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address331 TERRACE RD, SCHENECTADY, NY 12306-1713

Transferred To (Grantee/Buyer)

NameVerified Name
Address1719 BROADWAY, SCHENECTADY, NY 12306-4928

Mortgage

Document Number0000062172
DateNov 02, 2023
Instrument202362172
Lender
NameAMERISTAR FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$8,009.00$200,000 (-) Land $19,600 Building $180,400$307,700 (+16.91%) Land $30,155 Building $277,545
2023$200,000 (-) Land $19,600 Building $180,400$263,200 (+9.21%) Land $25,794 Building $237,406
2022$200,000 Land $19,600 Building $180,400$241,000 Land $23,618 Building $217,382

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360930326021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 18 individual NFIP policies nearby
Nearby Flood Policies18 in force
Nearby Flood Claims31 (1996–2026)
Claims Outside the SFHA12 of 31
Most Recent ClaimJul 2026, rainfall accumulation
Claims By Storm
  • Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims
  • Hurricane Irene, Aug 2011 · 20 claims
  • Severe Storms And Flooding, Jun 2006 · 4 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 48 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFiber980 / 880
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Terrace Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures