56 Cascade Ter, Schenectady, NY 12309 Property Records

Albany County and Colonie Town property record for 56 Cascade Ter, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,928 sqft · built 1975
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Company Names on Record
Tax Bill	$8,536 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012689 7.4-4-16`

Property Details

APN / Parcel Number

Primary APN	`012689 7.4-4-16`
Alternative APNs	`268900700400040160000000` `00700400040160000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,928 sqft Living Area
1st Floor Area	1,174 sqft
2nd Floor Area	754 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	459 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00700400040160000000
Street Address	56 CASCADE TER
City	SCHENECTADY
State	NY
Zip	12309-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	LOT 56 N-58 E-CASCADE TERR C-69-53
Legal Subdivision	CASCADE TERRACE
Legal Block	4
Legal Lot Number	16.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	2
Census Block	2001
Census Tract	13802

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	7 GENERALS WAY, HALFMOON, NY 12065-6529
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Sep 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Jun 17, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 1, 2024
Transfer Doc	0000010902
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	56 CASCADE TER, SCHENECTADY, NY 12309-1906
Transaction Type	Mortgage
Record Updated	Oct 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 CASCADE TER, SCHENECTADY, NY 12309-1906

Mortgage

Document Number	0000006382
Date	Sep 13, 2023
Instrument	R2023-16382

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.87%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	56 CASCADE TER, SCHENECTADY, NY 12309-1906
Transaction Type	Mortgage
Record Updated	Oct 18, 2023
Title Company	QUICK SILVA TITLE AND ESCROW, QUICKSILVA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 CASCADE TER, SCHENECTADY, NY 12309-1906

Mortgage

Document Number	0000006381
Date	Sep 13, 2023
Instrument	R2023-16381

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	56 CASCADE TER, SCHENECTADY, NY 12309-1906
Document Number	0000013793
Instrument Date	Jun 17, 2019
Transaction Type	Mortgage
Record Updated	Aug 21, 2019
Title Company	EQUITY NATIONAL TITLE AND SERVICES, EQUITY NAT'L TITLE & SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 CASCADE TER SCHENECTADY NY 123091906, SCHENECTADY, NY 12309-1906

Mortgage

Document Number	0000013793
Date	Jul 11, 2019
Instrument	13793

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 10, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$8,536.00 (+24.11%) Homeowner's exemption
2025	$6,878.00 (+6.87%) Homeowner's exemption	$149,500 (-) Land $37,400 Building $112,100	$342,100 (+16.72%) Land $85,582 Building $256,518
2023		$149,500 (-) Land $37,400 Building $112,100	$293,100 (+9.3%) Land $73,324 Building $219,776
2022		$149,500 Land $37,400 Building $112,100	$268,161 Land $67,085 Building $201,076
2021	$6,436.00

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 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

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	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	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

Cell Coverage

5G (outdoors only) and 4G LTE

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