507 Terrace Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 507 Terrace Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,323 sqft · built 1953
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$87,000 (Jun 2000)
Tax Bill	$5,753 (2026)
Deeds & Mortgages	Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`422800 37.20-1-16`

Property Details

APN / Parcel Number

Primary APN	`422800 37.20-1-16`
Alternative APN	`280003702000010160000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,323 sqft Living Area
1st Floor Area	756 sqft
Upper Floors Area	567 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1980
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	206 ft deep x 92 ft wide
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	450 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	507 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,FP WEST HILL DEV 2-L-17 7.-542-6
Legal Block	1
Legal Lot Number	16.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1061
Census Tract	32602

Owner

Source: Schenectady County and Rotterdam 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	507 TERRACE RD, SCHENECTADY, NY 12306-1717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2000 · Amount on Record
Deed Sale	Jun 21, 2000 · Amount on Record
Deed Book / Page	1580 / 360
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	507 TERRACE RD, SCHENECTADY, NY 12306-1717
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016102
Date	Apr 17, 2018
Book Page	4831/409
Instrument	201816102

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 6, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$5,753.00 (-7.31%) Homeowner's exemption Senior Citizen's exemption
2025	$6,207.00	$155,000 (-) Land $17,600 Building $137,400	$238,500 (+16.97%) Land $27,081 Building $211,419
2023		$155,000 Land $17,600 Building $137,400	$203,900 Land $23,153 Building $180,747

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 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 Record 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

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