721 River Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 721 River Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,504 sqft · built 1960
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on Record
Last Sale	$164,000 (May 2008)
Tax Bill	$5,904 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`422800 28.-3-3.12`

Property Details

APN / Parcel Number

Primary APN	`422800 28.-3-3.12`
Alternative APN	`280002800000030030120000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,504 sqft Living Area
1st Floor Area	1,392 sqft
Basement Area	112 sqft
Finished Basement	112 sqft
Game Room	Game Room

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	49,223 sqft (1.13 acres)
Garage Type	Basement
Porch	Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	721 RIVER RD
City	SCHENECTADY
State	NY
Zip	12306-6524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Block	3
Legal Lot Number	3.012
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1039
Census Tract	32602

Owner

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	721 RIVER RD, SCHENECTADY, NY 12306-6524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CCFCU FUNDING LLC
Aug 24, 2020	Loan Modification, Mortgage · Conventional with PMI HOMEOWNERS ADVANTAGE
Nov 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS ADVANTAGE
Nov 29, 2017	Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI HOMEOWNERS ADVANTAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2008 · Amount on Record
Deed Sale	May 28, 2008 · Amount on Record
Prior Sale	Jun 2, 2004 · Amount on Record
Deed Book / Page	1782 / 754
Last Transfer Date	Oct 29, 2021
Transfer Doc	0000057793
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	721 RIVER RD, SCHENECTADY, NY 12306-6524
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MERILIAN RESEARCH GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 RIVER RD, SCHENECTADY, NY 12306-6524

Mortgage

Document Number	0000031832
Date	Oct 14, 2020
Book Page	5029/466
Instrument	202031832

Lender

Name	CCFCU FUNDING LLC
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 1, 2035

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	721 RIVER RD, SCHENECTADY, NY 12306-6524
Document Number	0000031833
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	MERIDIAN RESEARCH GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 RIVER RD SCHENECTADY NY 123066524, SCHENECTADY, NY 12306-6524

Mortgage

Document Number	0000031833
Date	Oct 14, 2020
Book Page	005029/000480
Instrument	31833

Lender

Name	HOMEOWNERS ADVANTAGE
Address	ALBANY, NY 12205

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Oct 13, 2035

Interest

Rate Type	Fixed Rate
Rate	3%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	721 RIVER RD, SCHENECTADY, NY 12306-6524
Document Number	0000053837
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 RIVER RD SCHENECTADY NY 123066524, SCHENECTADY, NY 12306-6524

Mortgage

Document Number	0000053837
Date	Nov 29, 2017
Book Page	004803/000817
Instrument	53837

Lender

Name	HOMEOWNERS ADVANTAGE
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 28, 2037

November 2017: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 29, 2017
Property Address	721 RIVER RD, SCHENECTADY, NY 12306-6524
Book / Page	004803 / 000832
Instrument Date	Nov 17, 2017
Instrument	53839
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 RIVER RD SCHENECTADY NY 123066524, SCHENECTADY, NY 12306-6524

Mortgage

Document Number	0000053839
Date	Nov 29, 2017
Book Page	004803/000832
Instrument	53839

Lender

Name	HOMEOWNERS ADVANTAGE
Address	ALBANY, NY 12205

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Nov 28, 2037

Interest

Rate Type	Fixed Rate
Rate	3.75%

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
2026	$5,904.00 (-6.66%) Homeowner's exemption
2025	$6,325.00	$147,000 (-) Land $25,600 Building $121,400	$226,200 (+16.96%) Land $39,393 Building $186,807
2023		$147,000 Land $25,600 Building $121,400	$193,400 Land $33,681 Building $159,719

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	31 (1996–2026)
Claims Outside the SFHA	12 of 31
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims Hurricane Irene, Aug 2011 · 20 claims Severe Storms And Flooding, Jun 2006 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 96% of the US · lower than 95% of New York
Wildfire Likelihood	Under 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	ROTTERDAM WD #3 serves 1,900 people · EPA ID NY4600067
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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