448 Melrose St, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 448 Melrose St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,449 sqft · built 1935
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$152,500 (Jan 2020)
Tax Bill	$5,577 (2026)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 48.19-3-18`

Property Details

APN / Parcel Number

Primary APN	`422800 48.19-3-18`
Alternative APN	`280004801900030180000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,449 sqft Living Area
1st Floor Area	1,057 sqft
Upper Floors Area	392 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	115 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	156 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	448 MELROSE ST
City	SCHENECTADY
State	NY
Zip	12306-2120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,PT GRITZBACK 2 -237 2.-152-19
Legal Block	3
Legal Lot Number	18.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	3
Census Block	3008
Census Tract	32700

Owner

448 Melrose St is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	448 MELROSE ST, SCHENECTADY, NY 12306-2120
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2020 · Amount on File
Deed Sale	Jan 29, 2020 · Amount on File
Prior Sale	Nov 3, 2016 · Amount on File
Deed Document Number	20204209
Deed Book / Page	2029 / 521
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 29, 2020
Property Address	448 MELROSE ST, SCHENECTADY, NY 12306-2120
Document Number	0000004209
Book / Page	002029 / 000521
Instrument Date	Jan 22, 2020
Instrument	4209
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 VIEWPOINTE SCHENECTADY NY 123065621, SCHENECTADY, NY 12306-5621

Mortgage

Document Number	4211
Date	Jan 29, 2020
Book Page	004969/000412
Instrument	4211

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 448 Melrose St was $5,577, up 2% 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	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,577.00 (+2.05%)
2025	$5,465.00	$149,500 Land $6,600 Building $142,900	$230,000 Land $10,154 Building $219,846
2023		$149,500 (-) Land $6,600 Building $142,900	$196,700 (+9.22%) Land $8,684 Building $188,016
2022		$149,500 Land $6,600 Building $142,900	$180,100 Land $7,951 Building $172,149

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

Flood

FEMA maps place 448 Melrose St in Zone X, an area of minimal flood risk.

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

The area around 448 Melrose St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 823 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20