Schenectady County and Schenectady City property record for 436 Gifford Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,535 sqft · built 1980 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $149,500 (Jul 2007) |
| Tax Bill | $6,473 (2026) |
| Deeds & Mortgages | Jul 2023 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 421500 60.70-3-41.1 |
| Primary APN | 421500 60.70-3-41.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,535 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 575 sqft |
| Finished Basement | 575 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,000 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 325 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 200 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 436 GIFFORD RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 828, P/O 827 RAISED RANCH |
| Legal Subdivision | ROMANO MANOR |
| Legal Block | 3 |
| Legal Lot Number | 41.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 21802 |
436 Gifford Rd is owned and occupied by two individuals who bought it in July 2007.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 436 GIFFORD RD, SCHENECTADY, NY 12304-3926 |
| 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.
| Date | Document |
|---|---|
| Jul 18, 2023 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Nov 23, 2020 | Deed of Trust, Mortgage M & T BANK |
| Nov 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2007 · Amount on File |
| Deed Sale | Jul 30, 2007 · Amount on File |
| Prior Sale | Jun 1, 2006 · Amount on File |
| Deed Book / Page | 1764 / 627 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 436 GIFFORD RD, SCHENECTADY, NY 12304-3926 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 436 GIFFORD RD, SCHENECTADY, NY 12304-3926 |
| Document Number | 0000040763 |
|---|---|
| Date | Jul 18, 2023 |
| Book Page | 5317/858 |
| Instrument | 202340763 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 17, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 436 GIFFORD RD, SCHENECTADY, NY 12304-3926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 436 GIFFORD RD, SCHENECTADY, NY 12304-3926 |
| Document Number | 0000036851 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 5043/422 |
| Instrument | 202036851 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Amount | Amount on Record |
|---|---|
| Term | 163 Months |
| Due | Jun 15, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 436 GIFFORD RD, SCHENECTADY, NY 12304-3926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 436 GIFFORD RD, SCHENECTADY, NY 12304-3926 |
| Document Number | 0000036850 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 5043/404 |
| Instrument | 202036850 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 163 Months |
| Due | Jun 15, 2034 |
The 2026 property tax bill for 436 Gifford Rd was $6,473 with a homeowner's exemption, up 2.8% from the year before.
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,473.00 (+2.84%) Homeowner's exemption | ||
| 2025 | $6,294.00 | $142,000 Land $21,300 Building $120,700 | $235,138 Land $35,271 Building $199,867 |
| 2023 | $142,000 (-) Land $21,300 Building $120,700 | $179,747 (+3.8%) Land $26,962 Building $152,785 | |
| 2022 | $142,000 Land $21,300 Building $120,700 | $173,171 Land $25,976 Building $147,195 | |
| 2021 | $5,907.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 436 Gifford Rd in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 risk around 436 Gifford Rd is low, with less than 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 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) 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.
Source: FCC Broadband Data Collection, based on 619 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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