402 Terrace Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 402 Terrace Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,612 sqft · built 1948
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Tax Bill	$6,309 (2026)
Deeds & Mortgages	Oct 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`422800 37.20-2-1`

Property Details

APN / Parcel Number

Primary APN	`422800 37.20-2-1`
Alternative APN	`280003702000020010000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,612 sqft Living Area
1st Floor Area	1,012 sqft
Upper Floors Area	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1970
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	170 ft deep x 122 ft wide
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	402 TERRACE RD
City	SCHENECTADY
State	NY
Zip	12306-1716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,DM WEST HILL DEV 1- G-19 7.-541-16
Legal Block	2
Legal Lot Number	1.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1064
Census Tract	32602

Owner

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	402 TERRACE RD, SCHENECTADY, NY 12306-1716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 24, 2017
Transfer Doc	0000049294
Record Updated	Oct 29, 2026

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 31, 2017
Property Address	402 TERRACE RD, SCHENECTADY, NY 12306-1716
Document Number	0000049294
Book / Page	001974 / 000297
Instrument Date	Jul 24, 2017
Instrument	49294
Transaction Type	Transfer
Record Updated	Nov 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 TERRACE RD SCHENECTADY NY 123061716, SCHENECTADY, NY 12306-1716

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	$6,309.00 (-7.33%)
2025	$6,808.00	$170,000 (-) Land $19,200 Building $150,800	$261,500 (+16.9%) Land $29,534 Building $231,966
2023		$170,000 Land $19,200 Building $150,800	$223,700 Land $25,265 Building $198,435

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 · 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 Record 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	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims Hurricane Irene, Aug 2011 · 20 claims Severe Storms And Flooding, Jun 2006 · 4 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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