Schenectady County and Rotterdam Town property record for 346 Terrace Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,923 sqft · built 1950 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $166,000 (Mar 2018) |
| Tax Bill | $7,571 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 37.20-4-10 |
| Primary APN | 422800 37.20-4-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,923 sqft Living Area |
| 1st Floor Area | 1,923 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 19,166 sqft (0.44 acres) |
| Lot Dimensions | 194 ft deep x 98 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 700 sqft |
| Porch | Slab |
| Porch Area | 150 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 346 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,G2,ADD-2 WEST HILL DEV 1 M-15 7.-541-17 |
| Legal Block | 4 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 32602 |
346 Terrace Rd is owned and occupied by two individuals who bought it in March 2018.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 346 TERRACE RD, SCHENECTADY, NY 12306-1714 |
| 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.
| Date | Document |
|---|---|
| Nov 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| Mar 12, 2018 | Warranty Deed, Transfer · Conventional with PMI PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2018 · Amount on File |
| Deed Sale | Mar 12, 2018 · Amount on File |
| Prior Sale | Apr 27, 1998 · Amount on File |
| Deed Document Number | 201810540 |
| Deed Book / Page | 1982 / 917 |
| Prior Transfer Date | Mar 3, 2016 |
| Prior Transfer Doc | 0000018113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 346 TERRACE RD, SCHENECTADY, NY 12306-1714 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 346 TERRACE RD, ROTTERDAM, NY 12306-1714 |
| Document Number | 0000034122 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 5036/32 |
| Instrument | 202034122 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 12, 2018 |
| Property Address | 346 TERRACE RD, SCHENECTADY, NY 12306-1714 |
| Document Number | 0000010540 |
| Book / Page | 001982 / 000917 |
| Instrument Date | Feb 9, 2018 |
| Instrument | 10540 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2018 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $664.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 265 GORDON RD SCHENECTADY NY 123067201, SCHENECTADY, NY 12306-7201 |
| Document Number | 10541 |
|---|---|
| Date | Mar 12, 2018 |
| Book Page | 004823/000924 |
| Instrument | 10541 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 11, 2048 |
The 2026 property tax bill for 346 Terrace Rd was $7,571, down 7.3% 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 | $7,571.00 (-7.32%) | ||
| 2025 | $8,169.00 | $204,000 Land $17,600 Building $186,400 | $313,800 Land $27,073 Building $286,727 |
| 2023 | $204,000 Land $17,600 Building $186,400 | $268,400 Land $23,156 Building $245,244 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 346 Terrace Rd in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1996.
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 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 346 Terrace 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 | 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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