78 Cascade Ter, Schenectady, NY 12309 Property Records

Albany County and Colonie Town property record for 78 Cascade Ter, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,715 sqft · built 1975
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Dec 2020)
Tax Bill	$7,705 (2026)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012689 7.4-4-51`

Property Details

APN / Parcel Number

Primary APN	`012689 7.4-4-51`
Alternative APNs	`268900700400040510000000` `00700400040510000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,715 sqft Living Area
1st Floor Area	987 sqft
2nd Floor Area	728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00700400040510000000
Street Address	78 CASCADE TER
City	SCHENECTADY
State	NY
Zip	12309-1928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	N-CASCADE TERR E-76 C-68-01
Legal Subdivision	CASCADE TERRACE
Legal Block	4
Legal Lot Number	51.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	2
Census Block	2003
Census Tract	13802

Owner

Source: Albany County and Colonie 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	78 CASCADE TER, SCHENECTADY, NY 12309-1928
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Deed Document Number	202031227
Prior Transfer Date	Dec 30, 2005
Prior Transfer Doc	0028290000000442
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	78 CASCADE TER, SCHENECTADY, NY 12309-1928
Document Number	0000031228
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 SHAKER RUN ALBANY NY 122052454, ALBANY, NY 12205-2454

Mortgage

Document Number	0000031228
Date	Dec 22, 2020
Instrument	31228

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2050

Tax Assessment & Valuation

Source: Albany County and Colonie Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Colonie Town
Unified School District	Niskayuna Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,705.00 (+15.31%)
2025	$6,682.00 (+4.93%)	$134,700 (-) Land $33,600 Building $101,100	$308,200 (+16.7%) Land $76,878 Building $231,322
2023		$134,700 (-) Land $33,600 Building $101,100	$264,100 (+9.31%) Land $65,878 Building $198,222
2022		$134,700 Land $33,600 Building $101,100	$241,614 Land $60,269 Building $181,345
2021	$6,368.00

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 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.

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	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	LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198
Water Source	Surface water
Lead	2 ppb (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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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