78 Roe Rd, Melrose, NY 12121 Property Records

Rensselaer County and Schaghticoke Town property record for 78 Roe Rd, Melrose, NY 12121

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 1,800 sqft · built 1977
Lot Size	22.4 acres (978,358 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Aug 2010)
Tax Bill	$8,403 (2025)
Deeds & Mortgages	Sep 2025 Refinance Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`384289 51.-1-55`

Property Details

APN / Parcel Number

Primary APN	`384289 51.-1-55`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,800 sqft Living Area
1st Floor Area	864 sqft
2nd Floor Area	936 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	978,358 sqft (22.4 acres)
Lot Width	956 ft Width
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	78 ROE RD
City	MELROSE
State	NY
Zip	12121-2314
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Block	1
Legal Lot Number	55.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	SCHAGHTICOKE
Census Block Group	3
Census Block	3047
Census Tract	51901

Owner

Source: Rensselaer County and Schaghticoke Town assessment roll, as of May 15, 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	78 ROE RD, MELROSE, NY 12121-2314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance BROADVIEW FCU
Jul 2, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Feb 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 19, 2010 · Amount on Record
Deed Sale	Aug 19, 2010 · Amount on Record
Deed Book / Page	5581 / 77
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	78 ROE RD, MELROSE, NY 12121-2314
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0110740143
Date	Sep 25, 2025
Book Page	11074/143
Instrument	2025-661719

Lender

Name	BROADVIEW FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	78 ROE RD, MELROSE, NY 12121-2314
Document Number	0000571150
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	78 ROE RD MELROSE NY 121212314, MELROSE, NY 12121-2314

Mortgage

Document Number	0000571150
Date	Jul 14, 2020
Book Page	009217/000254
Instrument	571150

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	78 ROE RD, MELROSE, NY 12121-2314
Document Number	0000547263
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 ROE RD MELROSE NY 121212314, MELROSE, NY 12121-2314

Mortgage

Document Number	0000547263
Date	Feb 19, 2019
Book Page	008760/000270
Instrument	547263

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 18, 2034

Tax Assessment & Valuation

Source: Rensselaer County and Schaghticoke Town assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	New York
County	Rensselaer County
County Subdivision	Schaghticoke Town
Unified School District	Hoosic Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,403.00	$67,300 (-) Land $22,300 Building $45,000	$472,612 (+12.71%) Land $156,601 Building $316,011
2023		$67,300 Land $22,300 Building $45,000	$419,315 Land $138,941 Building $280,374

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.

Flood

Source: FEMA National Flood Hazard Layer, effective January 12, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2004–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2024 · Severe Storm And Flooding

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

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Hudson Valley Wireless Fixed Wireless	200 / 20

Nearby Properties on Roe Rd

Nearby Streets

All Melrose, NY Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures