965 River Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 965 River Rd, Schenectady, NY 12306 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,272 sqft · built 1905
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,098 (2025)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 20.18-2-7`

Property Details

APN / Parcel Number

Primary APN	`422800 20.18-2-7`
Alternative APN	`280002001800020070000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	1,272 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	150 ft deep x 66 ft wide
Porch	Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	965 RIVER RD
City	SCHENECTADY
State	NY
Zip	12306-6507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R 1.-4-5
Legal Block	2
Legal Lot Number	7.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1029
Census Tract	32602

Owner

Source: Schenectady County and Rotterdam Town records · APN 422800 20.18-2-7

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	965 RIVER RD, SCHENECTADY, NY 12306-6507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	965 RIVER RD, SCHENECTADY, NY 12306-6507
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005851
Date	Feb 06, 2017
Book Page	4740/926
Instrument	201705851

Lender

Name	FIRST NATIONAL BANK OF SCOTIA
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Jan 25, 2032

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,098.00	$125,000 (-) Land $5,800 Building $119,200	$192,300 (+16.9%) Land $8,923 Building $183,377
2023		$125,000 Land $5,800 Building $119,200	$164,500 Land $7,633 Building $156,867

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360930326021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 18 individual NFIP policies nearby
Nearby Flood Policies	18 in force 14 of 18 on primary residences
Nearby Flood Claims	31 (1996–2026)
Claims Outside the SFHA	12 of 31
Most Recent Claim	Jul 2026, rainfall accumulation
Flood Events	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 above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
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.