515 Terrace Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 515 Terrace Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,434 sqft · built 1954
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Oct 2022)
Tax Bill	$7,208 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 37.20-1-18`

Property Details

APN / Parcel Number

Primary APN	`422800 37.20-1-18`
Alternative APN	`280003702000010180000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,434 sqft Living Area
1st Floor Area	1,434 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	199 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 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-2 7.-542-8
Legal Subdivision	SUBDIVISION #2 WEST HILL DEVELOPMENT INC
Legal Block	1
Legal Lot Number	18.000
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 April 14, 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	515 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	Oct 6, 2022 · Amount on Record
Deed Sale	Oct 6, 2022 · Amount on Record
Deed Document Number	202253283
Deed Book / Page	2094 / 379
Prior Transfer Date	Dec 30, 2013
Prior Transfer Doc	0000001899
Record Updated	Jun 8, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 6, 2022
Property Address	515 TERRACE RD, SCHENECTADY, NY 12306-1717
Document Number	0000053283
Book / Page	2094 / 379
Instrument Date	Sep 13, 2022
Instrument	202253283
Transaction Type	Transfer
Record Updated	Oct 20, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	515 TERRACE RD, 515, ROTTERDAM, NY 12306-1717

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	291 N THOMPSON ST APT 713, 713, SCHENECTADY, NY 12306-6944

Mortgage

Document Number	0000053284
Date	Oct 6, 2022
Instrument	202253284

Lender

Name	BROADVIEW FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

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
2025	$7,208.00	$180,000 (-) Land $16,400 Building $163,600	$276,900 (+16.93%) Land $25,229 Building $251,671
2023		$180,000 Land $16,400 Building $163,600	$236,800 Land $21,575 Building $215,225

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