Schenectady County and Rotterdam Town property record for 643 River Rd, Schenectady, NY 12306 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,539 sqft Living Area |
| Lot Size | 57,499 sqft (1.32 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $195,000 (2018) |
| Tax Bill | $7,139.00 (2025) |
| Primary APN | 422800 28.-3-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,539 sqft Living Area |
| 1st Floor | 855 sqft 1st Floor |
| 2nd Floor | 684 sqft 2nd Floor |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 57,499 sqft (1.32 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 200 sqft Garage |
| Patio Area | 150 sqft Patio |
| Porch Area | 50 sqft Porch |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Commercial Water Source |
| Street Address | 643 RIVER RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-6505 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 3 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHENECTADY NY |
| Minor Civil Division | ROTTERDAM |
| Census Blockgroup | 1 |
| Census Block | 1039 |
| Census Tract | 32602 |
Source: Schenectady County and Rotterdam Town records · APN 422800 28.-3-5
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 643 RIVER RD, SCHENECTADY, NY 12306-6505 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 09, 2025 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Mar 28, 2018 | Warranty Deed, Transfer · Veterans Administration Mortgage NAVY FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 28, 2018 · Amount on Record |
| Deed Sale | Mar 28, 2018 · Amount on Record |
| Prior Sale | Jul 10, 2014 · Amount on Record |
| Deed Doc Number | 201813176 |
| Deed Book / Page | 1983 / 895 |
| Prior Transfer Date | Jul 26, 2006 |
| Prior Transfer Doc | 0017400364 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 643 RIVER RD, SCHENECTADY, NY 12306-6505 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 643 RIVER RD, SCHENECTADY, NY 12306-6505 |
| Document Number | 0000028792 |
|---|---|
| Date | Dec 09, 2025 |
| Instrument | 202528792 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Dec 01, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 28, 2018 |
| Property Address | 643 RIVER RD, SCHENECTADY, NY 12306-6505 |
| Document Number | 0000013176 |
| Book / Page | 001983 / 000895 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 13176 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $780.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8 ALDRICH RD BALLSTON SPA NY 120202205, BALLSTON SPA, NY 12020-2205 |
| Document Number | 13178 |
|---|---|
| Date | Mar 28, 2018 |
| Book Page | 004827/000623 |
| Instrument | 13178 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 27, 2048 |
Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Schalmont Central School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,139.00 | $167,000 (-) Land $26,400 Building $140,600 | $256,900 (+16.93%) Land $40,612 Building $216,288 |
| 2023 | $167,000 Land $26,400 Building $140,600 | $219,700 Land $34,731 Building $184,969 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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