55 Cascade Ter, Niskayuna (Schenectady), NY 12309 Property Records

Albany County and Colonie Town property record for 55 Cascade Ter, Niskayuna, NY 12309

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,328 sqft · built 1972
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (May 2009)
Tax Bill	$7,564 (2026)
Deeds & Mortgages	Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012689 7.4-4-34`

Property Details

APN / Parcel Number

Primary APN	`012689 7.4-4-34`
Alternative APNs	`268900700400040340000000` `00700400040340000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,328 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	1,092 sqft
Finished Basement	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	108 sqft
Patio Area	289 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00700400040340000000
Street Address	55 CASCADE TER
City	SCHENECTADY
State	NY
Zip	12309-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	LOT N-57 E-388 VLY RD C-10-04
Legal Subdivision	BROOKHILL SECTION ONE
Legal Block	4
Legal Lot Number	34.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	2
Census Block	2001
Census Tract	13802

Owner

55 Cascade Ter is owned and occupied by two individuals who bought it in May 2009.

Source: Albany County and Colonie Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	55 CASCADE TER, SCHENECTADY, NY 12309-1905
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	2 Names on Deed
Last Sale	May 18, 2009 · Amount on File
Deed Sale	May 18, 2009 · Amount on File
Prior Sale	Jul 18, 2002 · Amount on File
Deed Document Number	200910412248
Deed Book / Page	2949 / 430
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	55 CASCADE TER, NISKAYUNA, NY 12309-1905
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 COLLEGE VIEW DR B, B, ALBANY, NY 12211-2219

Mortgage

Document Number	0000003670
Date	Oct 7, 2022
Instrument	R2022-23670

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.99%
Index	Other
Margin	3
Max Rate	9.99%

Tax Assessment & Valuation

The 2026 property tax bill for 55 Cascade Ter was $7,564, up 10.3% from the year before.

Source: Albany County and Colonie Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Colonie Town
Unified School District	Niskayuna Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,564.00 (+10.31%)
2025	$6,857.00	$132,200 Land $33,000 Building $99,200	$302,500 Land $75,511 Building $226,989
2023		$132,200 (-) Land $33,000 Building $99,200	$259,200 (+9.31%) Land $64,702 Building $194,498
2022		$132,200 Land $33,000 Building $99,200	$237,130 Land $59,193 Building $177,937
2021	$5,656.00

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

Flood

FEMA maps place 55 Cascade Ter in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 6, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 55 Cascade Ter 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.

Drinking Water

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

Water System	LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198
Water Source	Surface water
Lead	2 ppb (2024) 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 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20