424 Gower Rd, Schenectady, NY 12302 Property Records

Schenectady County and Glenville Town property record for 424 Gower Rd, Schenectady, NY 12302

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 2,604 sqft · built 1880
Lot Size	5.04 acres (219,542 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Mar 2021)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422289 20.-4-8.2`

Property Details

APN / Parcel Number

Primary APN	`422289 20.-4-8.2`
Alternative APNs	`228902000000040080000000` `C11301`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,604 sqft Living Area
1st Floor Area	1,470 sqft
2nd Floor Area	1,134 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	219,542 sqft (5.04 acres)
Lot Width	411 ft Width
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,524 sqft
Patio Area	300 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	C11301
Street Address	424 GOWER RD
City	SCHENECTADY
State	NY
Zip	12302-6802
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RES
Legal Description	HLG
Legal Block	4
Legal Lot Number	8.002
Jurisdiction	SCHENECTADY NY
Township / Civil Division	GLENVILLE
Census Block Group	2
Census Block	2014
Census Tract	32504

Owner

Source: Schenectady County and Glenville Town assessment roll, as of April 14, 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 File
Mailing Address	424 GOWER RD, SCHENECTADY, NY 12302-6802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage NBT BANK NATIONAL ASSOCIATION
Mar 24, 2021	Executor's Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Deed Document Number	202112451
Deed Book / Page	2054 / 984
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	424 GOWER RD, SCHENECTADY, NY 12302-6802
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 N GRAND ST, COBLESKILL, NY 12043-4121

Mortgage

Document Number	0000005349
Date	Mar 13, 2026
Instrument	202605349

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank
Address	NORWICH, NY 13815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 24, 2021
Property Address	424 GOWER RD, SCHENECTADY, NY 12302-6802
Document Number	0000012451
Book / Page	2054 / 984
Instrument Date	Mar 9, 2021
Instrument	202112451
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	INTEGRITY LAND SERVICES INC, INTEGRITY LAND SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	19412 ELLIOTT VW, PEYTON, CO 80831-8756

Mortgage

Document Number	0000012454
Date	Mar 24, 2021
Instrument	202112454

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Schenectady County and Glenville Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Glenville Town
Unified School District	Scotia-Glenville Central School District (KG - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$259,000 (-) Land $38,000 Building $221,000	$470,909 (+23.64%) Land $69,091 Building $401,818
2023	$259,000 Land $38,000 Building $221,000	$380,882 Land $55,882 Building $325,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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