737 River Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 737 River Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,652 sqft · built 1931
Lot Size	5.9 acres (257,004 sqft)
Owner	2 Individual Names on File
Last Sale	$296,375 (Sep 2023)
Tax Bill	$6,366 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`422800 28.2-2-13.1`

Property Details

APN / Parcel Number

Primary APN	`422800 28.2-2-13.1`
Alternative APN	`280002800200020130010000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,652 sqft Living Area
1st Floor Area	928 sqft
Upper Floors Area	582 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	257,004 sqft (5.9 acres)
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	737 RIVER RD
City	SCHENECTADY
State	NY
Zip	12306-6524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Subdivision	737 RIVER ROAD
Legal Block	2
Legal Lot Number	13.001
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 · APN 422800 28.2-2-13.1

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	2 Individual Names on File
Mailing Address	737 RIVER RD, SCHENECTADY, NY 12306-6524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Prior Sale	Jun 24, 1996 · Amount on Record
Deed Document Number	202355024
Deed Book / Page	2116 / 658
Record Updated	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	737 RIVER RD, SCHENECTADY, NY 12306-6524
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	737 RIVER RD, SCHENECTADY, NY 12306-6524

Mortgage

Document Number	0000033444
Date	Oct 27, 2020
Book Page	5033/941
Instrument	202033444

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 16, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,366.00	$148,000 (-) Land $41,200 Building $106,800	$227,700 (+16.95%) Land $63,387 Building $164,313
2023		$148,000 Land $41,200 Building $106,800	$194,700 Land $54,200 Building $140,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 7, 2014 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, 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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Pattersonville Telephone Company (NY).

Based on FCC filings for 37 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ROTTERDAM WD #3 serves 1,900 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.