Schenectady County and Rotterdam Town property record for 3520 Guilderland Ave, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,206 sqft · built 1938 |
| Lot Size | 3.58 acres (155,945 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $320,000 (Aug 2026) |
| Tax Bill | $5,395 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage May 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 70.6-3-2.1 |
| Primary APN | 422800 70.6-3-2.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,206 sqft Living Area |
| 1st Floor Area | 678 sqft |
| 2nd Floor Area | 528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 155,945 sqft (3.58 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 150 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Old Parcel Number | 422800706321 |
|---|---|
| Street Address | 3520 GUILDERLAND AVE |
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-1810 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Block | 3 |
| Legal Lot Number | 2.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 33002 |
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 99A BEACH RD, HALFMOON, NY 12065-7916 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION |
| May 13, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jul 24, 2020 | Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| Oct 25, 2017 | Deed, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 24, 2026 · Amount on Record |
| Deed Sale | Aug 24, 2026 · Amount on Record |
| Prior Sale | Oct 25, 2017 · Amount on Record |
| Deed Document Number | 202618769 |
| Deed Book / Page | 2178 / 238 |
| Prior Transfer Date | May 16, 2010 |
| Prior Transfer Doc | 0000039230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 24, 2026 |
| Property Address | 3520 GUILDERLAND AVE, SCHENECTADY, NY 12306-1810 |
| Document Number | 0000018769 |
| Book / Page | 2178 / 238 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202618769 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2026 |
| Title Company | AMERICAN LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $129,280.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 99A BEACH RD, HALFMOON, NY 12065-7916 |
| Document Number | 0000018770, |
|---|---|
| Date | Aug 24, 2026 |
| Instrument | 202618770 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 3520 GUILDERLAND AVE, SCHENECTADY, NY 12306-1810 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3520 GUILDERLAND AVE, SCHENECTADY, NY 12306-1810 |
| Document Number | 0000025610 |
|---|---|
| Date | May 13, 2022 |
| Book Page | 5226/414 |
| Instrument | 202225610 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Aug 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 3520 GUILDERLAND AVE, SCHENECTADY, NY 12306-1810 |
| Document Number | 0000026923 |
| Instrument Date | Jul 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3520 GUILDERLAND AVE SCHENECTADY NY 123061810, SCHENECTADY, NY 12306-1810 |
| Document Number | 0000026923 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 005019/000500 |
| Instrument | 26923 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 9, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 25, 2017 |
| Property Address | 3520 GUILDERLAND AVE, SCHENECTADY, NY 12306-1810 |
| Document Number | 0000048593 |
| Book / Page | 1973 / 912 |
| Map Reference | MB 1844 PG 431 |
| Instrument Date | Oct 11, 2017 |
| Instrument | 201748593 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $684.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 336 IRISH SETTLEMENT RD, 336, PLATTSBURGH, NY 12901-5954 |
| Name | Verified Name |
|---|---|
| Address | 3544 GUILDERLAND AVE, SCHENECTADY, NY 12306-1810 |
| Document Number | 0000048595 |
|---|---|
| Date | Oct 25, 2017 |
| Book Page | 4796/104 |
| Instrument | 201748595 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
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 | $5,395.00 (-7.22%) | ||
| 2025 | $5,815.00 | $145,000 (-) Land $64,100 Building $80,900 | $223,100 (+16.93%) Land $98,626 Building $124,474 |
| 2023 | $145,000 Land $64,100 Building $80,900 | $190,800 Land $84,347 Building $106,453 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| Nearby Flood Policies | 4 in force |
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 | 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 #5 serves 28,000 people · EPA ID NY4600069 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2024–2026) 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.
Source: FCC Broadband Data Collection, based on 98 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 |
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