684 Scotch Ridge Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 684 Scotch Ridge Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,792 sqft · built 1955
Lot Size	2.91 acres (126,760 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Sep 2010)
Tax Bill	$8,089 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Jul 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`422800 47.-1-22.1`

Property Details

APN / Parcel Number

Primary APN	`422800 47.-1-22.1`
Alternative APN	`280004700000010220010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,792 sqft Living Area
1st Floor Area	1,792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	126,760 sqft (2.91 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	50 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	684 SCOTCH RIDGE RD
City	SCHENECTADY
State	NY
Zip	12306-6306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Block	1
Legal Lot Number	22.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	2
Census Block	2027
Census Tract	32602

Owner

Source: Schenectady County and Rotterdam Town records, as of April 20, 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 Record
Mailing Address	684 SCOTCH RIDGE RD, SCHENECTADY, NY 12306-6306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2019	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Jul 7, 2021	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2010 · Amount on Record
Deed Sale	Sep 21, 2010 · Amount on Record
Prior Sale	Sep 21, 2010 · Amount on Record
Deed Book / Page	1827 / 362
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	684 SCOTCH RIDGE RD, SCHENECTADY, NY 12306-6306
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046452
Date	Oct 16, 2019
Book Page	4945/926
Instrument	201946452

Lender

Name	TRUSTCO BANK
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	684 SCOTCH RIDGE RD, SCHENECTADY, NY 12306-6306
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 SCOTCH RIDGE RD, SCHENECTADY, NY 12306-6306

Mortgage

Document Number	0000031967
Date	Jul 7, 2021
Book Page	5117/740
Instrument	202131967

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Schalmont Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,089.00	$202,000 (-) Land $34,800 Building $167,200	$310,800 (+16.93%) Land $53,544 Building $257,256
2023		$202,000 Land $34,800 Building $167,200	$265,800 Land $45,791 Building $220,009

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 January 7, 2014

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Hudson Valley Wireless.

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