Schenectady County and Niskayuna Town property record for 446 Rudge St, Schenectady, NY 12304 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,414 sqft · built 1950 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Last Sale | $20,500 (Oct 2001) |
| Tax Bill | $5,680 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 60.15-2-35 |
| Primary APN | 422400 60.15-2-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,414 sqft Living Area |
| 1st Floor Area | 1,414 sqft 1st Floor |
| Stories | 1 Story |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Dimensions | 165 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached |
| Garage Area | 588 sqft Garage |
| Porch | Slab |
| Porch Area | 312 sqft Porch |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 446 RUDGE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2 |
| Legal Lot Number | 35.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 31902 |
Source: Schenectady County and Niskayuna Town records · APN 422400 60.15-2-35
Assessment roll updated April 14, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 RUDGE ST, SCHENECTADY, NY 12304-2429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Jul 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 05, 2001 · Amount on Record |
| Deed Sale | Oct 05, 2001 · Amount on Record |
| Prior Sale | Aug 03, 2001 · Amount on Record |
| Deed Book / Page | 1610 / 161 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 446 RUDGE ST, SCHENECTADY, NY 12304-2429 |
| Document Number | 0000053097 |
| Instrument Date | Nov 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2019 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 446 RUDGE ST SCHENECTADY NY 123042429, SCHENECTADY, NY 12304-2429 |
| Document Number | 0000053097 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 004956/000031 |
| Instrument | 53097 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 24, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 446 RUDGE ST, SCHENECTADY, NY 12304-2429 |
| Document Number | 0000035049 |
| Instrument Date | Jul 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Address | 446 RUDGE ST SCHENECTADY NY 123042429, SCHENECTADY, NY 12304-2429 |
| Document Number | 0000035049 |
|---|---|
| Date | Aug 08, 2018 |
| Book Page | 004855/000867 |
| Instrument | 35049 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 07, 2048 |
Source: Schenectady County and Niskayuna Town records · Assessment roll updated April 14, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Niskayuna Town |
| Unified School District | South Colonie Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,680.00 | $166,000 (-) Land $41,700 Building $124,300 | $245,900 (+17.04%) Land $61,771 Building $184,129 |
| 2023 | $166,000 Land $41,700 Building $124,300 | $210,100 Land $52,778 Building $157,322 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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