Albany County and Colonie Town property record for 77 Cascade Ter, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,726 sqft · built 1978 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $137,500 (Feb 1999) |
| Tax Bill | $6,925 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 7.4-4-45 |
| Primary APN | 012689 7.4-4-45 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,726 sqft Living Area |
| 1st Floor Area | 1,310 sqft |
| Basement Area | 416 sqft |
| Finished Basement | 416 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 416 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00700400040450000000 |
|---|---|
| Street Address | 77 CASCADE TER |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-1976 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | LOT N-26 RIVERVIEW DR E-75 C-68-00 |
| Legal Subdivision | MAP OF BROOKHILL SECTION ONE |
| Legal Block | 4 |
| Legal Lot Number | 45.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 13802 |
Source: Albany County and Colonie Town records, as of June 29, 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 | 77 CASCADE TER, SCHENECTADY, NY 12309-1976 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 21, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 1999 · Amount on Record |
| Deed Sale | Feb 2, 1999 · Amount on Record |
| Prior Sale | Feb 2, 1999 · Amount on Record |
| Deed Book / Page | 2622 / 35 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 77 CASCADE TER, SCHENECTADY, NY 12309-1976 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000007573 |
|---|---|
| Date | Apr 14, 2020 |
| Instrument | R2020-07573 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 77 CASCADE TER, SCHENECTADY, NY 12309-1976 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Title Company | ACCURATE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000004248 |
|---|---|
| Date | Feb 21, 2020 |
| Instrument | R2020-04248 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 8, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Albany County and Colonie Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Colonie Town |
| Unified School District | Niskayuna Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,925.00 (+4.89%) | $139,900 (-) Land $35,000 Building $104,900 | $320,100 (+16.7%) Land $80,082 Building $240,018 |
| 2023 | $139,900 (-) Land $35,000 Building $104,900 | $274,300 (+9.31%) Land $68,624 Building $205,676 | |
| 2022 | $139,900 Land $35,000 Building $104,900 | $250,942 Land $62,780 Building $188,162 | |
| 2021 | $6,602.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019
| 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198 |
|---|---|
| Water Source | Surface water |
| Lead | 2 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 251 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures