42 Terry Ave, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 42 Terry Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,411 sqft · built 1956
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on File
Tax Bill	$5,901 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013089 15.14-2-18`

Property Details

APN / Parcel Number

Primary APN	`013089 15.14-2-18`
Alternative APNs	`308901501400020180000000` `01501400020180000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,411 sqft Living Area
1st Floor Area	1,135 sqft
Basement Area	276 sqft
Finished Basement	276 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01501400020180000000
Street Address	42 TERRY AVE
City	SCHENECTADY
State	NY
Zip	12303-4819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	LOT 42
Legal Subdivision	TERRY AVENUE
Legal Block	2
Legal Lot Number	18.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	2
Census Block	2009
Census Tract	14606

Owner

42 Terry Ave is owned and occupied by an individual.

Source: Albany County and Guilderland Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	42 TERRY AVE, SCHENECTADY, NY 12303-4819
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP
Sep 20, 2019	Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS ADVANTAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	42 TERRY AVE, SCHENECTADY, NY 12303-4819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029467
Date	Dec 9, 2020
Instrument	R2020-29467

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33416

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Oct 1, 2049

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Sep 20, 2019
Property Address	42 TERRY AVE, SCHENECTADY, NY 12303-4819
Document Number	0000019737
Instrument Date	Sep 16, 2019
Instrument	19737
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 SIMMONS AVE COHOES NY 120472329, COHOES, NY 12047-2329

Mortgage

Document Number	19738
Date	Sep 20, 2019
Instrument	19738

Lender

Name	HOMEOWNERS ADVANTAGE
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 42 Terry Ave was $5,901, down 2.1% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Guilderland Town
Unified School District	Guilderland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,901.00 (-2.06%)
2025	$6,025.00	$202,000 Land $40,000 Building $162,000	$269,333 Land $53,333 Building $216,000
2023		$202,000 (-) Land $40,000 Building $162,000	$237,647 (+7.06%) Land $47,059 Building $190,588
2022		$202,000 Land $40,000 Building $162,000	$221,978 Land $43,956 Building $178,022
2021	$5,405.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 42 Terry Ave in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 42 Terry Ave 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Nearby Properties on Terry Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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