Schenectady County and Rotterdam Town property record for 411 Terrace Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,992 sqft · built 1945 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Aug 2019) |
| Tax Bill | $7,200 (2026) |
| Deeds & Mortgages | Dec 2021 Line of Credit Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 37.20-1-14 |
| Primary APN | 422800 37.20-1-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,992 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Upper Floors Area | 1,092 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Lot Area | 23,958 sqft (0.55 acres) |
| Lot Dimensions | 216 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 411 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,4DM,FP,G2,SHDM,ROG/SHDM WEST HILL DEV 1- L15 7.-541-13 |
| Legal Block | 1 |
| Legal Lot Number | 14.000 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 411 TERRACE RD, SCHENECTADY, NY 12306-1715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU |
| Aug 23, 2019 | Warranty Deed, Transfer · Conventional with PMI JOSEPH V & ELLEN C MALLIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2019 · Amount on Record |
| Deed Sale | Aug 23, 2019 · Amount on Record |
| Prior Sale | Aug 18, 1995 · Amount on Record |
| Deed Document Number | 201938020 |
| Deed Book / Page | 2018 / 454 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 411 TERRACE RD, SCHENECTADY, NY 12306-1715 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 411 TERRACE RD, SCHENECTADY, NY 12306-1715 |
| Document Number | 0000063404 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 5179/935 |
| Instrument | 202163404 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 14, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 23, 2019 |
| Property Address | 411 TERRACE RD, SCHENECTADY, NY 12306-1715 |
| Document Number | 0000038020 |
| Book / Page | 002018 / 000454 |
| Instrument Date | Aug 14, 2019 |
| Instrument | 38020 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2019 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 411 TERRACE RD SCHENECTADY NY 123061715, SCHENECTADY, NY 12306-1715 |
| Document Number | 38021 |
|---|---|
| Date | Aug 23, 2019 |
| Book Page | 004933/000535 |
| Instrument | 38021 |
| Name | JOSEPH V & ELLEN C MALLIA |
|---|---|
| Address | 406 TERRACE RD, NY |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 22, 2049 |
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 | $7,200.00 (-7.32%) | ||
| 2025 | $7,769.00 | $194,000 (-) Land $22,000 Building $172,000 | $298,500 (+16.92%) Land $33,851 Building $264,649 |
| 2023 | $194,000 Land $22,000 Building $172,000 | $255,300 Land $28,952 Building $226,348 |
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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