Schenectady County and Rotterdam Town property record for 404 Melrose St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 720 sqft · built 1938 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $48,500 (Sep 1998) |
| Tax Bill | $3,358 (2026) |
| Deeds & Mortgages | Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.19-3-24 |
| Primary APN | 422800 48.19-3-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 115 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 150 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 MELROSE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-2120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G GROVE PARK-213 2.-140-23 |
| Legal Block | 3 |
| Legal Lot Number | 24.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 32700 |
404 Melrose St is owned and occupied by two individuals who bought it in September 1998.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 MELROSE ST, SCHENECTADY, NY 12306-2120 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 1998 · Amount on File |
| Deed Sale | Sep 3, 1998 · Amount on File |
| Prior Sale | Jun 23, 1998 |
| Deed Book / Page | 1542 / 590 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 404 MELROSE ST, SCHENECTADY, NY 12306-2120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000041502 |
|---|---|
| Date | Sep 13, 2017 |
| Book Page | 4787/723 |
| Instrument | 201741502 |
| Name | PIONEER SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | TROY, NY 12180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Aug 3, 2027 |
The 2026 property tax bill for 404 Melrose St was $3,358 with exemptions applied, up 2.1% 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 | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,358.00 (+2.07%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,290.00 | $90,000 Land $6,600 Building $83,400 | $138,500 Land $10,157 Building $128,343 |
| 2023 | $90,000 (-) Land $6,600 Building $83,400 | $118,400 (+9.23%) Land $8,683 Building $109,717 | |
| 2022 | $90,000 Land $6,600 Building $83,400 | $108,400 Land $7,949 Building $100,451 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Melrose St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| 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.
The area around 404 Melrose St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 438 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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