Schenectady County and Rotterdam Town property record for 342 Terrace Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,512 sqft · built 1954 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,790 (2026) |
| Deeds & Mortgages | Oct 2023 Line of Credit Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 37.20-4-9 |
| Primary APN | 422800 37.20-4-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 756 sqft |
| Basement Area | 756 sqft |
| Finished Basement | 756 sqft |
| Unfinished Basement | 756 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 173 ft deep x 102 ft wide |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 200 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 342 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,HBK WEST HILL DEV 1 M-16 7.-541-18 |
| Legal Block | 4 |
| Legal Lot Number | 9.000 |
| 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 September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 342 TERRACE RD, SCHENECTADY, NY 12306-1714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 12, 2023 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Dec 6, 2021 | Deed, Transfer · Conventional Mortgage STATE EMPLOYEES FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 14, 2012 |
| Transfer Doc | 0000030653 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 342 TERRACE RD, SCHENECTADY, NY 12306-1714 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 342 TERRACE RD, SCHENECTADY, NY 12306-1714 |
| Document Number | 0000057711 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 5335/566 |
| Instrument | 202357711 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 11, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 6, 2021 |
| Property Address | 342 TERRACE RD, SCHENECTADY, NY 12306-1714 |
| Document Number | 0000061183 |
| Book / Page | 2072 / 954 |
| Map Reference | MAP F-25 |
| Instrument Date | Oct 20, 2021 |
| Instrument | 202161183 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17 BOSTON AVE, 17, SOMERVILLE, MA 02144-2301 |
| Name | Verified Name |
|---|---|
| Address | 37 HOLLOWAY LN, AVERILL PARK, NY 12018-9676 |
| Document Number | 0000061187 |
|---|---|
| Date | Dec 6, 2021 |
| Instrument | 202161187 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2051 |
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 | $5,790.00 (-7.32%) | ||
| 2025 | $6,247.00 | $156,000 (-) Land $16,400 Building $139,600 | $240,000 (+16.9%) Land $25,231 Building $214,769 |
| 2023 | $156,000 Land $16,400 Building $139,600 | $205,300 Land $21,583 Building $183,717 |
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 | None beyond 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 | 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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