Schenectady County and Niskayuna Town property record for 449 Rudge St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,192 sqft · built 1952 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | Individual Name on File |
| Last Sale | $228,500 (Aug 2010) |
| Tax Bill | $8,083 (2026) |
| Deeds & Mortgages | Jan 2018 Mortgage Apr 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 60.15-2-37.11 |
| Primary APN | 422400 60.15-2-37.11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,192 sqft Living Area |
| 1st Floor Area | 1,192 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 23,522 sqft (0.54 acres) |
| Lot Dimensions | 165 ft deep x 142 ft wide |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 288 sqft |
| Shed | 1 Shed |
| Shed Area | 280 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 449 RUDGE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | FAGANS LOCUST PARK |
| Legal Block | 2 |
| Legal Lot Number | 37.011 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 31902 |
449 Rudge St is owned and occupied by an individual who acquired it in March 2012.
Source: Schenectady County and Niskayuna Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 449 RUDGE ST, SCHENECTADY, NY 12304-2428 |
| 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 |
|---|---|
| Jan 22, 2018 | Deed of Trust, Mortgage HUDSON RIVER COMMUNITY CU |
| Apr 4, 2019 | Deed of Trust, Mortgage · Line of Credit BALLSTON SPA NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2010 · Amount on File |
| Deed Sale | Aug 27, 2010 · Amount on File |
| Prior Sale | Aug 27, 2010 · Amount on File |
| Deed Book / Page | 1826 / 84 |
| Last Transfer Date | Mar 30, 2012 |
| Transfer Doc | 0000016186 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 449 RUDGE ST, SCHENECTADY, NY 12304-2428 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000003301 |
|---|---|
| Date | Jan 22, 2018 |
| Book Page | 4815/096 |
| Instrument | 201803301 |
| Name | HUDSON RIVER COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CORINTH, NY 12822 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jan 10, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 449 RUDGE ST, SCHENECTADY, NY 12304-2428 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000014599 |
|---|---|
| Date | Apr 4, 2019 |
| Book Page | 4903/632 |
| Instrument | 201914599 |
| Name | BALLSTON SPA NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | BALLSTON SPA, NY 12020 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Mar 27, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 449 Rudge St was $8,083 with a homeowner's exemption, up 3.1% from the year before.
Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Niskayuna Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,083.00 (+3.13%) Homeowner's exemption | ||
| 2025 | $7,838.00 | $230,000 Land $46,100 Building $183,900 | $340,700 Land $68,288 Building $272,412 |
| 2023 | $230,000 Land $46,100 Building $183,900 | $291,100 Land $58,347 Building $232,753 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 449 Rudge 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 risk around 449 Rudge St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NISKAYUNA CONSOLIDATED WD #11 public/private · serves 22,287 people · EPA ID NY4600073 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 112 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 · Fixed Wireless in parts of the area | 980 / 880 |
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