39 Terry Ave, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 39 Terry Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1956
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Trust Names on File
Tax Bill	$5,214 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit May 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013089 15.14-1-55`

Property Details

APN / Parcel Number

Primary APN	`013089 15.14-1-55`
Alternative APNs	`308901501400010550000000` `01501400010550000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	832 sqft
Upper Floors Area	416 sqft
Game Room	Game Room

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Mixed
Garage Area	773 sqft
Parking Spaces	3 Parking Spaces
Porch	Patio
Porch Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01501400010550000000
Street Address	39 TERRY AVE
City	SCHENECTADY
State	NY
Zip	12303-4817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	LOT 39 TE
Legal Subdivision	TERRY AVENUE
Legal Block	1
Legal Lot Number	55.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	2
Census Block	2008
Census Tract	14606

Owner

39 Terry Ave is owner-occupied and held in a trust since May 2018.

Source: Albany County and Guilderland Town records, as of September 23, 2026

Owner of Record	2 Trust Names on File
Mailing Address	39 TERRY AVE, SCHENECTADY, NY 12303-4817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2023	Deed of Trust, Mortgage · Line of Credit SUNMARK FCU
May 7, 2018	Quit Claim Deed, Transfer Quitclaim
May 7, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2018
Deed Sale	May 7, 2018
Deed Document Number	20189809
Prior Transfer Date	May 3, 2018
Prior Transfer Doc	0020189809
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	39 TERRY AVE, SCHENECTADY, NY 12303-4817
Transaction Type	Mortgage
Record Updated	Oct 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006420
Date	Sep 13, 2023
Instrument	R2023-16420

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 25, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBANY NY
Recording Date	May 7, 2018
Property Address	39 TERRY AVE, SCHENECTADY, NY 12303-4817
Document Number	0020189809
Book / Page	002018 / 009809
Instrument Date	May 3, 2018
Transaction Type	Transfer
Record Updated	Jul 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 TERRY AVE SCHENECTADY NY 123034817, SCHENECTADY, NY 12303-4817

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBANY NY
Recording Date	May 7, 2018
Property Address	39 TERRY AVE, SCHENECTADY, NY 12303-4817
Document Number	0000009809
Instrument Date	May 3, 2018
Instrument	9809
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	39 TERRY AVE SCHENECTADY NY 123034817, SCHENECTADY, NY 12303-4817

Tax Assessment & Valuation

The 2026 property tax bill for 39 Terry Ave was $5,214 with a homeowner's exemption, up 10.6% from the year before.

Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Guilderland Town
Unified School District	Guilderland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,214.00 (+10.56%) Homeowner's exemption
2025	$4,716.00 Homeowner's exemption	$177,000 Land $35,000 Building $142,000	$236,000 Land $46,667 Building $189,333
2023		$177,000 (-) Land $35,000 Building $142,000	$208,235 (+7.06%) Land $41,176 Building $167,059
2022		$177,000 Land $35,000 Building $142,000	$194,505 Land $38,461 Building $156,044
2021	$4,139.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 39 Terry Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 6, 2019

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

Wildfire risk around 39 Terry Ave 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GUILDERLAND TOWN WD serves 30,000 people · EPA ID NY0100205
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 319 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

May also be available: Hudson Valley Wireless, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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