1020 Bill Rd, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1020 Bill Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 1949
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Feb 2023)
Tax Bill	$5,039 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.20-7-20`

Property Details

APN / Parcel Number

Primary APN	`422800 59.20-7-20`
Alternative APN	`280005902000070200000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	672 sqft
Upper Floors Area	504 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	160 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1020 BILL RD
City	SCHENECTADY
State	NY
Zip	12303-2612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,OG FREDS COMM-58 4.-289-10
Legal Block	7
Legal Lot Number	20.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	2
Census Block	2012
Census Tract	32901

Owner

Source: Schenectady County and Rotterdam 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	Individual Name on Record
Mailing Address	1020 BILL RD, SCHENECTADY, NY 12303-2612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2023 · Amount on Record
Deed Sale	Feb 28, 2023 · Amount on Record
Deed Document Number	202311436
Deed Book / Page	2103 / 475
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 28, 2023
Property Address	1020 BILL RD, SCHENECTADY, NY 12303-2612
Document Number	0000011436
Book / Page	2103 / 475
Instrument Date	Feb 14, 2023
Instrument	202311436
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1020 BILL RD, SCHENECTADY, NY 12303-2612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 LENT CT APT 5, 5, SCHENECTADY, NY 12306-1215

Mortgage

Document Number	0000011437
Date	Feb 28, 2023
Instrument	202311437

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,039.00 (+1.7%)
2025	$4,955.00	$135,000 (-) Land $10,700 Building $124,300	$207,700 (+16.95%) Land $16,462 Building $191,238
2023		$135,000 (-) Land $10,700 Building $124,300	$177,600 (+9.16%) Land $14,076 Building $163,524
2022		$135,000 Land $10,700 Building $124,300	$162,700 Land $12,895 Building $149,805

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 January 7, 2014

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 96% of the US · lower than 95% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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