1022 Lucy Rd, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1022 Lucy Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,380 sqft · built 1950
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Aug 1994)
Tax Bill	$5,786 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.20-2-21`

Property Details

APN / Parcel Number

Primary APN	`422800 59.20-2-21`
Alternative APN	`280005902000020210000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	150 ft deep x 65 ft wide

Exterior Amenities

Porch	Slab
Porch Area	867 sqft
Patio Area	50 sqft
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1022 LUCY RD
City	SCHENECTADY
State	NY
Zip	12303-3367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,OG FREDS COMM-248 4.-296-21
Legal Block	2
Legal Lot Number	21.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	2
Census Block	2008
Census Tract	32901

Owner

1022 Lucy Rd is owned and occupied by an individual who bought it in August 1994.

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1022 LUCY RD, SCHENECTADY, NY 12303-3367
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage BROADVIEW FCU
Sep 7, 2022	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU
Jun 26, 2020	Deed of Trust, Mortgage · Conventional with PMI SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 1994 · Amount on File
Deed Sale	Aug 31, 1994 · Amount on File
Deed Book / Page	1431 / 210
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1022 LUCY RD, SCHENECTADY, NY 12303-3367
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 LUCY RD, SCHENECTADY, NY 12303-3367

Mortgage

Document Number	0000021788
Date	Sep 12, 2025
Instrument	202521788

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	SOFR Average 30-Day
Max Rate	11.6%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1022 LUCY RD, SCHENECTADY, NY 12303-3367
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 LUCY RD, SCHENECTADY, NY 12303-3367

Mortgage

Document Number	0000047615
Date	Sep 7, 2022
Book Page	5254/723
Instrument	202247615

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 6, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1022 LUCY RD, SCHENECTADY, NY 12303-3367
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033092
Date	Jul 25, 2017
Book Page	4775/206
Instrument	201733092

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 24, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1022 LUCY RD, SCHENECTADY, NY 12303-3367
Document Number	0000022399
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 LUCY RD SCHENECTADY NY 123033367, SCHENECTADY, NY 12303-3367

Mortgage

Document Number	0000022399
Date	Aug 4, 2020
Book Page	005009/000309
Instrument	22399

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Aug 3, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 1022 Lucy Rd was $5,786 with a homeowner's exemption, up 1.7% from the year before.

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	$5,786.00 (+1.71%) Homeowner's exemption
2025	$5,689.00	$155,000 Land $9,900 Building $145,100	$238,500 Land $15,233 Building $223,267
2023		$155,000 Land $9,900 Building $145,100	$203,900 Land $13,023 Building $190,877

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1022 Lucy Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1022 Lucy Rd 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.

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 372 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: Greenlight Networks, T-Mobile, Verizon.

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