Albany County and Guilderland Town property record for 41 Terry Ave, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,456 sqft · built 1957 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,434 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 15.14-1-54 |
| Primary APN | 013089 15.14-1-54 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Upper Floors Area | 624 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,600 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 253 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Pool Area | 346 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01501400010540000000 |
|---|---|
| Street Address | 41 TERRY AVE |
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-4817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | LOT 41 |
| Legal Block | 1 |
| Legal Lot Number | 54.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 14606 |
Source: Albany County and Guilderland 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 Individual Names on Record |
|---|---|
| Mailing Address | 41 TERRY AVE, SCHENECTADY, NY 12303-4817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 41 TERRY AVE, SCHENECTADY, NY 12303-4817 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Title Company | ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 41 TERRY AVE, SCHENECTADY, NY 12303-4817 |
| Document Number | 0000001654 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | R2022-21654 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 6, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Guilderland Town |
| Unified School District | Guilderland Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,434.00 (+27.2%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $4,272.00 (-1.48%) Homeowner's exemption Senior Citizen's exemption | $185,000 (-) Land $37,000 Building $148,000 | $246,667 (+13.33%) Land $49,333 Building $197,334 |
| 2023 | $185,000 (-) Land $37,000 Building $148,000 | $217,647 (+7.06%) Land $43,529 Building $174,118 | |
| 2022 | $185,000 Land $37,000 Building $148,000 | $203,297 Land $40,659 Building $162,638 | |
| 2021 | $4,336.00 |
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 March 6, 2019
| 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | GUILDERLAND TOWN WD serves 30,000 people · EPA ID NY0100205 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2022 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 319 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: Hudson Valley Wireless, T-Mobile.
5G (outdoors only) and 4G LTE
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