Schenectady County and Rotterdam Town property record for 511 Terrace Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,948 sqft · built 1960 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $195,000 (Sep 2013) |
| Tax Bill | $7,769 (2025) |
| Deeds & Mortgages | Sep 2016 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 37.20-1-17 |
| Primary APN | 422800 37.20-1-17 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,948 sqft Living Area |
| 1st Floor Area | 1,336 sqft |
| Upper Floors Area | 612 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 206 ft deep x 86 ft wide |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 350 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 511 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-K-1 7.-542-7 |
| Legal Block | 1 |
| Legal Lot Number | 17.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 32602 |
Source: Schenectady County and Rotterdam Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 511 TERRACE RD, SCHENECTADY, NY 12306-1717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2013 · Amount on Record |
| Deed Sale | Sep 9, 2013 · Amount on Record |
| Prior Sale | May 26, 1995 · Amount on Record |
| Deed Document Number | 201340088 |
| Deed Book / Page | 1881 / 553 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 511 TERRACE RD, SCHENECTADY, NY 12306-1717 |
| Document Number | 0000006620 |
| Book / Page | 004741 / 000827 |
| Instrument Date | Sep 6, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 511 TERRACE RD SCHENECTADY NY 123061717, SCHENECTADY, NY 12306-1717 |
| Document Number | 0000006620 |
|---|---|
| Date | Feb 9, 2017 |
| Book Page | 004741/000827 |
| Instrument | 6620 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 8, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Schalmont Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,769.00 | $194,000 (-) Land $16,400 Building $177,600 | $298,500 (+16.92%) Land $25,234 Building $273,266 |
| 2023 | $194,000 Land $16,400 Building $177,600 | $255,300 Land $21,582 Building $233,718 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
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