Schenectady County and Rotterdam Town property record for 48 Old River Rd, Schenectady, NY 12306 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1970 |
| Square Footage | 2,192 sqft Living Area |
| Lot Size | 18,731 sqft (0.43 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $165,000 (2009) |
| Tax Bill | $6,239.00 (2025) |
| Primary APN | 422800 48.-2-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 2,192 sqft Living Area |
| 1st Floor | 1,712 sqft 1st Floor |
| 2nd Floor | 480 sqft 2nd Floor |
| Stories | 2 Stories |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 18,731 sqft (0.43 acres) |
| Depth X Width | 185 ft x 102 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 400 sqft Garage |
| Porch Area | 300 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Street Address | 48 OLD RIVER RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-6841 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | R,G2,ADD 1.-2-4 |
| Legal Block | 2 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHENECTADY NY |
| Minor Civil Division | ROTTERDAM |
| Census Blockgroup | 3 |
| Census Block | 3017 |
| Census Tract | 32602 |
Source: Schenectady County and Rotterdam Town records · APN 422800 48.-2-3
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 OLD RIVER RD, SCHENECTADY, NY 12306-6841 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 24, 2009 · Amount on Record |
| Deed Sale | Nov 24, 2009 · Amount on Record |
| Prior Sale | Nov 24, 2009 · Amount on Record |
| Deed Book / Page | 1811 / 310 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 48 OLD RIVER RD, SCHENECTADY, NY 12306-6841 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000004996 |
|---|---|
| Date | Feb 05, 2020 |
| Book Page | 4970/760 |
| Instrument | 202004996 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 16, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Schalmont Central School District (KG - 12) |
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 | $6,239.00 | $150,000 (-) Land $33,000 Building $117,000 | $230,800 (+16.92%) Land $50,776 Building $180,024 |
| 2023 | $150,000 Land $33,000 Building $117,000 | $197,400 Land $43,428 Building $153,972 |
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
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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