503 Terrace Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 503 Terrace Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,560 sqft · built 1952
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$177,000 (Aug 2005)
Tax Bill	$7,423 (2026)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 37.20-1-15`

Property Details

APN / Parcel Number

Primary APN	`422800 37.20-1-15`
Alternative APN	`280003702000010150000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,120 sqft
Upper Floors Area	440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	188 ft deep x 101 ft wide
Garage Type	Carport
Garage Area	150 sqft
Carport	Carport
Carport Area	150 sqft
Porch	Slab
Porch Area	150 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	503 TERRACE RD
City	SCHENECTADY
State	NY
Zip	12306-1717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G WEST HILL DEV 2-L-16 7.-542-5
Legal Block	1
Legal Lot Number	15.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1061
Census Tract	32602

Owner

503 Terrace Rd is owned and occupied by an individual who bought it in August 2005.

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	503 TERRACE RD, SCHENECTADY, NY 12306-1717
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2005 · Amount on File
Deed Sale	Aug 16, 2005 · Amount on File
Deed Book / Page	1712 / 882
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	503 TERRACE RD, SCHENECTADY, NY 12306-1717
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032250
Date	Jul 19, 2017
Book Page	4774/090
Instrument	201732250

Lender

Name	TRUSTCO BANK
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 503 Terrace Rd was $7,423 with a homeowner's exemption, down 7.3% from the year before.

Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,423.00 (-7.32%) Homeowner's exemption
2025	$8,009.00	$200,000 Land $17,600 Building $182,400	$307,700 Land $27,078 Building $280,622
2023		$200,000 Land $17,600 Building $182,400	$263,200 Land $23,162 Building $240,038

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

Flood

FEMA maps place 503 Terrace Rd in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1996.

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
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	31 (1996–2026)
Claims Outside the SFHA	12 of 31
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims Hurricane Irene, Aug 2011 · 20 claims Severe Storms And Flooding, Jun 2006 · 4 claims

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

Wildfire risk around 503 Terrace Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20