426 County Line Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 426 County Line Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,428 sqft · built 1946
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$164,000 (Jan 2020)
Tax Bill	$6,651 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 70.12-1-2`

Property Details

APN / Parcel Number

Primary APN	`422800 70.12-1-2`
Alternative APN	`280007001200010020000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	952 sqft
Upper Floors Area	476 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	285 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	426 COUNTY LINE RD
City	SCHENECTADY
State	NY
Zip	12306-2542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	R,G 1.A-93-2
Legal Block	1
Legal Lot Number	2.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1034
Census Tract	33002

Owner

426 County Line Rd is owned and occupied by two individuals who bought it in January 2020.

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	426 COUNTY LINE RD, SCHENECTADY, NY 12306-2542
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
Jun 5, 2023	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Jan 17, 2020	Warranty Deed, Transfer · Conventional Mortgage CAPITAL COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2020 · Amount on File
Deed Sale	Jan 17, 2020 · Amount on File
Prior Sale	Mar 20, 2013 · Amount on File
Deed Document Number	20202158
Deed Book / Page	2028 / 576
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	426 COUNTY LINE RD, SCHENECTADY, NY 12306-2542
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 COUNTY LINE RD, SCHENECTADY, NY 12306-2542

Mortgage

Document Number	0000031532
Date	Jun 5, 2023
Book Page	5307/650
Instrument	202331532

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	May 12, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 17, 2020
Property Address	426 COUNTY LINE RD, SCHENECTADY, NY 12306-2542
Document Number	0000002158
Book / Page	2028 / 576
Instrument Date	Jan 6, 2020
Instrument	202002158
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$656.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	426 COUNTY LINE RD, 426, SCHENECTADY, NY 12306-2542

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1760 HELDERBERG AVE, ROTTERDAM, NY 12306-4222

Mortgage

Document Number	0000002159
Date	Jan 17, 2020
Book Page	4967/22
Instrument	202002159

Lender

Name	CAPITAL COMMUNITY BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 426 County Line Rd was $6,651, up 1.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,651.00 (+1.6%)
2025	$6,546.00	$179,000 Land $29,300 Building $149,700	$275,400 Land $45,079 Building $230,321
2023		$179,000 Land $29,300 Building $149,700	$235,500 Land $38,548 Building $196,952

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

Flood

FEMA maps place 426 County Line Rd in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	4 in force

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

Wildfire risk around 426 County Line 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROTTERDAM WD #5 serves 28,000 people · EPA ID NY4600069
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: Verizon.

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