3440 Putnam Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 3440 Putnam Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,680 sqft · built 1978
Lot Size	3.2 acres (139,392 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Sep 2022)
Tax Bill	$8,997 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 36.-3-38`

Property Details

APN / Parcel Number

Primary APN	`422800 36.-3-38`
Alternative APN	`280003600000030380000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,680 sqft Living Area
1st Floor Area	1,626 sqft
2nd Floor Area	1,054 sqft
Upper Floors Area	765 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	139,392 sqft (3.2 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3440 PUTNAM RD
City	SCHENECTADY
State	NY
Zip	12306-6141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Block	3
Legal Lot Number	38.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	2
Census Block	2021
Census Tract	32602

Owner

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	2 Individual Names on Record
Mailing Address	3440 PUTNAM RD, SCHENECTADY, NY 12306-6141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2022 · Amount on Record
Deed Sale	Sep 21, 2022 · Amount on Record
Deed Document Number	202250407
Deed Book / Page	2093 / 534
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 21, 2022
Property Address	3440 PUTNAM RD, SCHENECTADY, NY 12306-6141
Document Number	0000050407
Book / Page	2093 / 534
Instrument Date	Sep 16, 2022
Instrument	202250407
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11216 RAPALLO LN, WINDERMERE, FL 34786-6025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 MAPLE ST, COOPERSTOWN, NY 13326-1430

Mortgage

Document Number	0000050408
Date	Sep 21, 2022
Instrument	202250408

Lender

Name	SARATOGAS COMMUNITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

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	$8,997.00 (-8.79%)
2025	$9,864.00	$245,000 (-) Land $35,500 Building $209,500	$376,900 (+16.9%) Land $54,612 Building $322,288
2023		$245,000 Land $35,500 Building $209,500	$322,400 Land $46,715 Building $275,685

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 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
Hudson Valley Wireless Fixed Wireless	200 / 20