Schenectady County and Rotterdam Town property record for 407 Terrace Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,619 sqft · built 1950 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $130,000 (May 1998) |
| Tax Bill | $7,660 (2026) |
| Deeds & Mortgages | Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 37.20-1-13 |
| Primary APN | 422800 37.20-1-13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,619 sqft Living Area |
| 1st Floor Area | 1,619 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Lot Area | 23,087 sqft (0.53 acres) |
| Lot Dimensions | 216 ft deep x 106 ft wide |
| Garage Type | Attached |
| Garage Area | 345 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
|---|---|
| Porch Area | 200 sqft |
| Patio Area | 308 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 407 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 WEST HILL DEV 1 - L-14 7.-541-12 |
| Legal Block | 1 |
| Legal Lot Number | 13.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 32602 |
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 94 SHEPARD AVE, SARANAC LAKE, NY 12983-1925 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 1998 · Amount on Record |
| Deed Sale | May 27, 1998 · Amount on Record |
| Deed Book / Page | 1536 / 899 |
| Last Transfer Date | Jul 24, 2024 |
| Transfer Doc | 0000000171 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 407 TERRACE RD, SCHENECTADY, NY 12306-1715 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000027610 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 4767/875 |
| Instrument | 201727610 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | Schalmont Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,660.00 (-7.33%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $8,266.00 | $206,400 (-) Land $21,200 Building $185,200 | $317,500 (+16.9%) Land $32,611 Building $284,889 |
| 2023 | $206,400 Land $21,200 Building $185,200 | $271,600 Land $27,897 Building $243,703 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
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