545 Bradford Rd, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 545 Bradford Rd, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,222 sqft · built 1952
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$151,500 (May 2019)
Tax Bill	$5,738 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 60.61-2-21`

Property Details

APN / Parcel Number

Primary APN	`421500 60.61-2-21`
Alternative APN	`150006006100020210000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,222 sqft Living Area
1st Floor Area	1,222 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Basement
Porch	Slab
Porch Area	281 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	545 BRADFORD RD
City	SCHENECTADY
State	NY
Zip	12304-3723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	121 P/O 1 WOOD & GAR
Legal Subdivision	REVISED MAP OF WOODLAWN
Legal Block	2
Legal Lot Number	21.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4028
Census Tract	21802

Owner

545 Bradford Rd is owned by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	7 CLEARVIEW DR, TROY, NY 12180-5650
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

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU
Apr 2, 2018	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
May 29, 2019	Warranty Deed, Transfer · ARM CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2019 · Amount on File
Deed Sale	May 29, 2019 · Amount on File
Deed Document Number	201923585
Deed Book / Page	2011 / 982
Prior Transfer Date	Oct 29, 2013
Prior Transfer Doc	0000050185
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	545 BRADFORD RD, SCHENECTADY, NY 12304-3723
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 BRADFORD RD, SCHENECTADY, NY 12304-3723

Mortgage

Document Number	0000039571
Date	Aug 13, 2021
Book Page	5131/218
Instrument	202139571

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	545 BRADFORD RD, SCHENECTADY, NY 12304-3723
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 BRADFORD RD, SCHENECTADY, NY 12304-3723

Mortgage

Document Number	0000039572
Date	Aug 13, 2021
Book Page	5131/232
Instrument	202139572

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	545 BRADFORD RD, SCHENECTADY, NY 12304-3723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013627
Date	Apr 2, 2018
Book Page	4828/533
Instrument	201813627

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Mar 25, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 29, 2019
Property Address	545 BRADFORD RD, SCHENECTADY, NY 12304-3723
Document Number	0000023585
Book / Page	2011 / 982
Instrument Date	May 22, 2019
Instrument	201923585
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$606.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 BRADFORD RD, 545, SCHENECTADY, NY 12304-3723

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 BERYL WAY, WATERVLIET, NY 12189-2974

Mortgage

Document Number	0000023589
Date	May 29, 2019
Instrument	201923589

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.25%
Index	1-Year CMT
Margin	3
Max Rate	10.2%

Tax Assessment & Valuation

The 2026 property tax bill for 545 Bradford Rd was $5,738, up 2.1% from the year before.

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,738.00 (+2.1%)
2025	$5,620.00	$114,000 Land $13,900 Building $100,100	$188,773 Land $23,017 Building $165,756
2023		$114,000 (-) Land $13,900 Building $100,100	$144,304 (+3.8%) Land $17,595 Building $126,709
2022		$114,000 Land $13,900 Building $100,100	$139,024 Land $16,951 Building $122,073
2021	$5,382.00

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

Flood

FEMA maps place 545 Bradford Rd in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 in force

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 545 Bradford Rd is low, with less than 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 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070
Water Source	Groundwater
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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