Schenectady County and Rotterdam Town property record for 3449 Lower Gregg Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,688 sqft · built 2004 |
| Lot Size | 3.54 acres (154,202 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $11,589 (2026) |
| Deeds & Mortgages | Mar 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 28.2-1-6.11 |
| Primary APN | 422800 28.2-1-6.11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,688 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| 2nd Floor Area | 1,344 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 154,202 sqft (3.54 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 400 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Pole Barn | Pole Barn |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 3449 LOWER GREGG RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-6509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Block | 1 |
| Legal Lot Number | 6.011 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 32602 |
3449 Lower Gregg Rd is owned and occupied by two individuals.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3449 LOWER GREGG RD, SCHENECTADY, NY 12306-6509 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 3449 LOWER GREGG RD, SCHENECTADY, NY 12306-6509 |
| Document Number | 0000012723 |
| Book / Page | 004750 / 000227 |
| Instrument Date | Mar 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2017 |
| Name | Verified Name |
|---|---|
| Address | 3449 LOWER GREGG RD SCHENECTADY NY 123066509, SCHENECTADY, NY 12306-6509 |
| Document Number | 0000012723 |
|---|---|
| Date | Mar 22, 2017 |
| Book Page | 004750/000227 |
| Instrument | 12723 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 3449 Lower Gregg Rd was $11,589 with a homeowner's exemption, down 6.9% from the year before.
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 | $11,589.00 (-6.92%) Homeowner's exemption | ||
| 2025 | $12,451.00 | $297,500 Land $34,100 Building $263,400 | $457,700 Land $52,462 Building $405,238 |
| 2023 | $297,500 Land $34,100 Building $263,400 | $391,400 Land $44,863 Building $346,537 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3449 Lower Gregg Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 3449 Lower Gregg Rd is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROTTERDAM WD #3 serves 1,900 people · EPA ID NY4600067 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 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 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Pattersonville Telephone Company.
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