Schenectady County and Rotterdam Town property record for 414 Terrace Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,573 sqft · built 1949 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $6,013 (2026) |
| Deeds & Mortgages | Oct 2023 Transfer Oct 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 37.20-2-4 |
| Primary APN | 422800 37.20-2-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,573 sqft Living Area |
| 1st Floor Area | 1,573 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 28,314 sqft (0.65 acres) |
| Lot Dimensions | 189 ft deep x 149 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 150 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 414 TERRACE RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-1716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | D CARRENO&M CARRENO-MAASS WEST HILL DEV 2- G-16 7.-543-7 |
| Legal Block | 2 |
| Legal Lot Number | 4.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 32602 |
414 Terrace Rd is owned by a company that acquired it in September 2023 and is owner-occupied.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 414 TERRACE RD, SCHENECTADY, NY 12306-1716 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 18, 2023 | Intrafamily Transfer, Transfer |
| Oct 18, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 29, 2023 |
| Transfer Doc | 0000058891 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 18, 2023 |
| Property Address | 414 TERRACE RD, SCHENECTADY, NY 12306-1716 |
| Document Number | 0000058891 |
| Book / Page | 2117 / 880 |
| Instrument Date | Sep 29, 2023 |
| Instrument | 202358891 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 TERRACE RD, SCHENECTADY, NY 12306-1716 |
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 80 E MILTON AVE # 902, 902, RAHWAY, NJ 07065-4016 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 18, 2023 |
| Property Address | 414 TERRACE RD, SCHENECTADY, NY 12306-1716 |
| Document Number | 0000058891 |
| Book / Page | 2117 / 880 |
| Instrument Date | Sep 29, 2023 |
| Instrument | 202358891 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 TERRACE RD, SCHENECTADY, NY 12306-1716 |
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 80 E MILTON AVE # 902, 902, RAHWAY, NJ 07065-4016 |
The 2026 property tax bill for 414 Terrace Rd was $6,013 with exemptions applied, down 7.3% 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 | Schalmont Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,013.00 (-7.32%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $6,488.00 | $162,000 (-) Land $26,000 Building $136,000 | $249,200 (+10.76%) Land $39,995 Building $209,205 |
| 2024 | $162,000 (-) Land $26,000 Building $136,000 | $225,000 (+5.53%) Land $36,111 Building $188,889 | |
| 2023 | $162,000 Land $26,000 Building $136,000 | $213,200 Land $34,217 Building $178,983 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 414 Terrace Rd in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1996.
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 File 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.
Wildfire risk around 414 Terrace Rd is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WEST HILL WATER COMPANY INC. private · serves 180 people · EPA ID NY4600072 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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