Schenectady County and Rotterdam Town property record for 649 River Rd, Schenectady, NY 12306 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1960 |
| Square Footage | 1,988 sqft Living Area |
| Lot Size | 20,909 sqft (0.48 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $115,000 (2024) |
| Tax Bill | $6,041.00 (2025) |
| Primary APN | 422800 28.-3-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,988 sqft Living Area |
| 1st Floor | 1,136 sqft 1st Floor |
| Upper Floors | 852 sqft Upper Floors |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional Style |
| Exterior Material | Wood Exterior |
| Lot Area | 20,909 sqft (0.48 acres) |
| Depth X Width | 188 ft x 111 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 200 sqft Garage |
| Porch Area | 375 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Commercial Water Source |
| Street Address | 649 RIVER RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-6505 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | R,G 1.-2-21 |
| Legal Block | 3 |
| Legal Lot Number | 6.000 |
| 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.-3-6
Assessment roll updated April 14, 2026 · Last verified July 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 | 649 RIVER RD, SCHENECTADY, NY 12306-6505 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 22, 2022 | Deed of Trust, Mortgage · Stand Alone Second Mortgage POINT DIGITAL FINANCE INC |
| Aug 19, 2019 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Aug 17, 2016 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 04, 2024 · Amount on Record |
| Deed Sale | Apr 04, 2024 · Amount on Record |
| Prior Sale | Aug 11, 1997 · Amount on Record |
| Deed Doc Number | 202419924 |
| Deed Book / Page | 2128 / 255 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 649 RIVER RD, SCHENECTADY, NY 12306-6505 |
| Transaction Type | Mortgage |
| Record Updated | Jul 06, 2022 |
| Title Company | PRIORITY TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Address | 649 RIVER RD, SCHENECTADY, NY 12306-6505 |
| Document Number | 0000032890 |
|---|---|
| Date | Jun 22, 2022 |
| Book Page | 5236/117 |
| Instrument | 202232890 |
| Name | POINT DIGITAL FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | PALO ALTO, CA 94302 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 13, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 649 RIVER RD, SCHENECTADY, NY 12306-6505 |
| Document Number | 0000045476 |
| Instrument Date | Aug 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 649 RIVER RD ROTTERDAM NY 123066505, ROTTERDAM, NY 12306-6505 |
| Document Number | 0000045476 |
|---|---|
| Date | Oct 08, 2019 |
| Book Page | 004944/000432 |
| Instrument | 45476 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118-6116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 07, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 649 RIVER RD, SCHENECTADY, NY 12306-6505 |
| Document Number | 0000012124 |
| Instrument Date | Aug 17, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 649 RIVER RD ROTTERDAM NY 123066505, ROTTERDAM, NY 12306-6505 |
| Document Number | 0000012124 |
|---|---|
| Date | Mar 20, 2017 |
| Book Page | 004749/000354 |
| Instrument | 12124 |
| Name | MIDFIRST BK |
|---|---|
| Type | Federal Savings Bank (FSB) |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 19, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified July 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 | $6,041.00 | $140,000 (-) Land $12,000 Building $128,000 | $215,400 (+16.94%) Land $18,463 Building $196,937 |
| 2023 | $140,000 Land $12,000 Building $128,000 | $184,200 Land $15,789 Building $168,411 |
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 | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 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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