Schenectady County and Schenectady City property record for 463 Bradford Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,348 sqft · built 1945 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $51,200 (Jul 1998) |
| Tax Bill | $6,062 (2026) |
| Deeds & Mortgages | Jun 2023 Line of Credit Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.62-1-29 |
| Primary APN | 421500 60.62-1-29 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,348 sqft Living Area |
| 1st Floor Area | 770 sqft |
| Upper Floors Area | 578 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Cape Cod |
| Exterior Material | Composition/Composite |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 11,250 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Porch |
| Porch Area | 412 sqft |
| Shed | 1 Shed |
| Canopy | 18 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 463 BRADFORD RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | AND PT OF 136 1 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 29.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4029 |
| Census Tract | 21802 |
463 Bradford Rd is owned and occupied by an individual who bought it in July 1998.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 463 BRADFORD RD, SCHENECTADY, NY 12304-3721 |
| 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 |
|---|---|
| Jun 1, 2023 | Deed of Trust, Mortgage · Line of Credit PIONEER BANK |
| Jan 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Feb 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 1998 · Amount on File |
| Deed Sale | Jul 1, 1998 · Amount on File |
| Deed Book / Page | 1538 / 828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 463 BRADFORD RD, SCHENECTADY, NY 12304-3721 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000031048 |
|---|---|
| Date | Jun 1, 2023 |
| Book Page | 5307/310 |
| Instrument | 202331048 |
| Name | PIONEER BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 298 Months |
| Due | Apr 20, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 463 BRADFORD RD, SCHENECTADY, NY 12304-3721 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 463 BRADFORD RD, SCHENECTADY, NY 12304-3721 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002325 |
|---|---|
| Date | Jan 14, 2022 |
| Book Page | 5190/393 |
| Instrument | 202202325 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 463 BRADFORD RD, SCHENECTADY, NY 12304-3721 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TIIVIIOS NC NATL RECORDING |
| Name | Verified Name |
|---|
| Document Number | 0000006722 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 4973/189 |
| Instrument | 202006722 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2035 |
The 2026 property tax bill for 463 Bradford Rd was $6,062 with a homeowner's exemption, up 3% 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 | $6,062.00 (+2.97%) Homeowner's exemption | ||
| 2025 | $5,887.00 | $130,900 Land $19,600 Building $111,300 | $216,758 Land $32,456 Building $184,302 |
| 2023 | $130,900 (-) Land $19,600 Building $111,300 | $165,696 (+3.8%) Land $24,810 Building $140,886 | |
| 2022 | $130,900 Land $19,600 Building $111,300 | $159,634 Land $23,902 Building $135,732 | |
| 2021 | $5,496.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 463 Bradford 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 | 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 463 Bradford 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 97% of the US · lower than 96% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures