47 Terry Ave, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 47 Terry Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,278 sqft · built 1956
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Sep 2019)
Tax Bill	$5,873 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013089 15.14-1-51`

Property Details

APN / Parcel Number

Primary APN	`013089 15.14-1-51`
Alternative APNs	`308901501400010510000000` `01501400010510000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,278 sqft Living Area
1st Floor Area	1,002 sqft
Basement Area	276 sqft
Finished Basement	276 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Split Level
Exterior Material	Composition/Composite
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	253 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01501400010510000000
Street Address	47 TERRY AVE
City	SCHENECTADY
State	NY
Zip	12303-4817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	LOT 47
Legal Subdivision	TERRY AVENUE
Legal Block	1
Legal Lot Number	51.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	2
Census Block	2008
Census Tract	14606

Owner

Source: Albany County and Guilderland Town records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	47 TERRY AVE, SCHENECTADY, NY 12303-4817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU
Feb 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPITAL COMMUNICATIONS FCU
Sep 25, 2019	Deed, Transfer · Conventional Mortgage CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2019 · Amount on Record
Deed Sale	Sep 25, 2019 · Amount on Record
Deed Document Number	201920229
Prior Transfer Date	Dec 5, 2006
Prior Transfer Doc	0028730000000846
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	47 TERRY AVE, SCHENECTADY, NY 12303-4817
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005887
Date	Feb 25, 2021
Instrument	R2021-05887

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4.75%
Index	12-Month MTA
Margin	3
Max Rate	8.75%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	47 TERRY AVE, SCHENECTADY, NY 12303-4817
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005888
Date	Feb 25, 2021
Instrument	R2021-05888

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Margin	3
Max Rate	8.75%

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBANY NY
Recording Date	Sep 25, 2019
Property Address	47 TERRY AVE, SCHENECTADY, NY 12303-4817
Document Number	0000000229
Map Reference	MAP 3371
Instrument Date	Sep 25, 2019
Instrument	R2019-20229
Transaction Type	Transfer
Record Updated	Apr 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 SHERRINGFIELD TER, 605, CHESAPEAKE, VA 23322-9154

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 TYLER CT, GUILDERLAND, NY 12084-9547

Mortgage

Document Number	0000020230
Date	Sep 25, 2019
Instrument	R2019-20230

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.37%
Index	1-Year CMT
Margin	3
Max Rate	9.37%

Tax Assessment & Valuation

Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Guilderland Town
Unified School District	Guilderland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,873.00 (+0.15%)
2025	$5,864.00 (+11.84%)	$201,000 (-) Land $40,000 Building $161,000	$268,000 (+13.33%) Land $53,333 Building $214,667
2023		$201,000 (-) Land $40,000 Building $161,000	$236,471 (+7.06%) Land $47,059 Building $189,412
2022		$201,000 Land $40,000 Building $161,000	$220,879 Land $43,956 Building $176,923
2021	$5,243.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 6, 2019

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GUILDERLAND TOWN WD serves 30,000 people · EPA ID NY0100205
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: Hudson Valley Wireless, T-Mobile.

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