4052 River Rd, Schenectady, NY 12309 Property Records

Albany County and Colonie Town property record for 4052 River Rd, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,728 sqft · built 1965
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$287,500 (Jan 2023)
Tax Bill	$5,442 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012689 8.3-1-19`

Property Details

APN / Parcel Number

Primary APN	`012689 8.3-1-19`
Alternative APNs	`268900800300010190000000` `00800300010190000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	1,728 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00800300010190000000
Street Address	4052 RIVER RD
City	SCHENECTADY
State	NY
Zip	12309-1517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	N-RIVER RD E-4054 C-70-34
Legal Block	1
Legal Lot Number	19.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	2
Census Block	2019
Census Tract	13512

Owner

Source: Albany County and Colonie Town records, as of July 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4052 RIVER RD, SCHENECTADY, NY 12309-1517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jan 26, 2023	Deed of Trust, Mortgage · VA Mortgage NEW YORK
Oct 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2023 · Amount on Record
Deed Sale	Jan 26, 2023 · Amount on Record
Prior Sale	Jun 23, 2016 · Amount on Record
Deed Document Number	20231874
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	4052 RIVER RD, SCHENECTADY, NY 12309-1517
Transaction Type	Mortgage
Record Updated	Feb 25, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4052 RIVER RD, NISKAYUNA, NY 12309-1517

Mortgage

Document Number	0000000051
Date	Jan 7, 2026
Instrument	R2026-451

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	4052 RIVER RD, SCHENECTADY, NY 12309-1517
Transaction Type	Mortgage
Record Updated	Jul 24, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1006 SCHOONER CT, HALFMOON, NY 12065-8803

Mortgage

Document Number	0000000875
Date	Jan 26, 2023
Instrument	R2023-1875

Lender

Name	NEW YORK
Type	Non-Lending Institution
Address	ALBANY, NY 12205

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	4052 RIVER RD, SCHENECTADY, NY 12309-1517
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023515
Date	Oct 2, 2017
Instrument	R2017-23515

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Colonie Town
Unified School District	Niskayuna Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,442.00 (-10.86%) Disabled Person's exemption Veteran's exemption	$125,500 (-) Land $25,100 Building $100,400	$287,200 (+16.7%) Land $57,440 Building $229,760
2023		$125,500 (-) Land $25,100 Building $100,400	$246,100 (+9.32%) Land $49,220 Building $196,880
2022		$125,500 Land $25,100 Building $100,400	$225,112 Land $45,022 Building $180,090
2021	$6,105.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (2011–2026)
Most Recent Claim	Mar 2026 · river or lake flooding

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	Direct burnable vegetation

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	LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198
Water Source	Surface water
Lead	2 ppb (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.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 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: T-Mobile.

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures