48 Niskayuna St, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 48 Niskayuna St, Schenectady, NY 12306 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 2007
Lot Size	0.28 acres (12,197 sqft)
Owner	Company Name on File
Tax Bill	$9,148 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 48.14-1-5.1`

Property Details

APN / Parcel Number

Primary APN	`422800 48.14-1-5.1`
Alternative APN	`280004801400010050010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,980 sqft Living Area
1st Floor Area	1,980 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	109 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	540 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	48 NISKAYUNA ST
City	SCHENECTADY
State	NY
Zip	12306-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	5.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1019
Census Tract	32700

Owner

Source: Schenectady County and Rotterdam Town records · APN 422800 48.14-1-5.1

Assessment roll updated April 14, 2026 · Last verified April 2026

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

Owner of Record	Company Name on File
Mailing Address	565 KNIGHT RD, DELANSON, NY 12053-3805
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 03, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Oct 09, 2024	Intrafamily Transfer, Transfer
Oct 14, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Sep 25, 2024
Transfer Doc	0000060245
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 03, 2026
Property Address	48 NISKAYUNA ST, SCHENECTADY, NY 12306-1502
Document Number	0000017308
Instrument Date	Dec 15, 2025
Instrument	202617308
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 NISKAYUNA ST, SCHENECTADY, NY 12306-1502

Mortgage

Document Number	0000017308,
Date	Aug 03, 2026
Instrument	202617308

Lender

Name	TRUSTCO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2055

Interest

Rate Type	Fixed Rate
Rate	6.24%
Initial Type	Fixed Rate
Max Rate	-1%

October 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 09, 2024
Property Address	48 NISKAYUNA ST, SCHENECTADY, NY 12306-1502
Document Number	0000060245
Book / Page	2139 / 610
Instrument Date	Sep 25, 2024
Instrument	202460245
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48 NISKAYUNA ST, SCHENECTADY, NY 12306-1502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 KNIGHT RD, DELANSON, NY 12053-3805

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	48 NISKAYUNA ST, SCHENECTADY, NY 12306-1502
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 NISKAYUNA ST, SCHENECTADY, NY 12306-1502

Mortgage

Document Number	0000051143
Date	Oct 14, 2021
Book Page	5156/701
Instrument	202151143

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 21, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Schalmont Central School District (KG - 12)

Tax Bill & Assessment History

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	$9,148.00	$228,000 (-) Land $16,800 Building $211,200	$350,800 (+16.93%) Land $25,848 Building $324,952
2023		$228,000 Land $16,800 Building $211,200	$300,000 Land $22,105 Building $277,895

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 341 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Greenlight Networks Holding	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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