Schenectady County and Rotterdam Town property record for 1004 Bruce Ln, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,707 sqft · built 1942 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,122 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.10-13-11 |
| Primary APN | 422800 59.10-13-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,707 sqft Living Area |
| 1st Floor Area | 1,319 sqft |
| Upper Floors Area | 388 sqft |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| Shed | 1 Shed |
| Shed Area | 40 sqft |
| Canopy | 100 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1004 BRUCE LN |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-3661 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,ADD,SHD COLDBROOK-184 5.-365-22 |
| Legal Block | 13 |
| Legal Lot Number | 11.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 32902 |
1004 Bruce Ln is owned and occupied by two individuals.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1004 BRUCE LN, SCHENECTADY, NY 12303-3661 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 17, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Aug 23, 2017 | Deed of Trust, Mortgage THE FIRST NEW YORK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1004 BRUCE LN, SCHENECTADY, NY 12303-3661 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000022172 |
|---|---|
| Date | Sep 17, 2025 |
| Instrument | 202522172 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1004 BRUCE LN, SCHENECTADY, NY 12303-3661 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000038203 |
|---|---|
| Date | Aug 23, 2017 |
| Book Page | 4782/974 |
| Instrument | 201738203 |
| Name | THE FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 1004 Bruce Ln was $6,122 with exemptions applied, up 1.7% from the year before.
Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,122.00 (+1.71%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $6,019.00 | $164,000 Land $9,000 Building $155,000 | $252,300 Land $13,846 Building $238,454 |
| 2023 | $164,000 Land $9,000 Building $155,000 | $215,800 Land $11,843 Building $203,957 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1004 Bruce Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · 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 | 1 in force |
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 risk around 1004 Bruce Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 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 | ROTTERDAM WD #5 serves 28,000 people · EPA ID NY4600069 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2024–2026) 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 540 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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