403 Terrace Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 403 Terrace Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,368 sqft · built 1948
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,367 (2025)
Flood Zone	Zone X (minimal risk)
APN	`422800 37.20-1-12`

Property Details

APN / Parcel Number

Primary APN	`422800 37.20-1-12`
Alternative APN	`280003702000010120000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,368 sqft Living Area
1st Floor Area	960 sqft
Upper Floors Area	408 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	23,522 sqft (0.54 acres)
Lot Dimensions	214 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	403 TERRACE RD
City	SCHENECTADY
State	NY
Zip	12306-1715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,BZY WEST HILL DEV - 1 L-13 7.-541-11
Legal Block	1
Legal Lot Number	12.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1061
Census Tract	32602

Owner

Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	403 TERRACE RD, SCHENECTADY, NY 12306-1715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 8, 2026

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
2025	$6,367.00	$159,000 (-) Land $21,600 Building $137,400	$244,600 (+16.92%) Land $33,229 Building $211,371
2023		$159,000 Land $21,600 Building $137,400	$209,200 Land $28,420 Building $180,780

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.

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