1025 Theodore Rd, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1025 Theodore Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1950
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,727 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`422800 59.20-4-10`

Property Details

APN / Parcel Number

Primary APN	`422800 59.20-4-10`
Alternative APN	`280005902000040100000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

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

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1025 THEODORE RD
City	SCHENECTADY
State	NY
Zip	12303-3374
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G FREDS COMM-227 4.-295-25
Legal Block	4
Legal Lot Number	10.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	2
Census Block	2007
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	2 Company Names on Record
Mailing Address	1025 THEODORE RD, SCHENECTADY, NY 12303-3374
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Intrafamily Transfer, Transfer · Line of Credit TRUSTCO BANK
Mar 9, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 21, 2023
Transfer Doc	0000058924
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 18, 2023
Property Address	1025 THEODORE RD, SCHENECTADY, NY 12303-3374
Document Number	0000058924
Book / Page	2117 / 888
Instrument Date	Sep 21, 2023
Instrument	202358924
Transaction Type	Transfer
Record Updated	Nov 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1025 THEODORE RD, SCHENECTADY, NY 12303-3374

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 THEODORE RD, SCHENECTADY, NY 12303-3374

Mortgage

Document Number	0000058925
Date	Oct 18, 2023
Instrument	202358925

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Sep 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1025 THEODORE RD, SCHENECTADY, NY 12303-3374
Document Number	0000013859
Instrument Date	Mar 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 THEODORE RD SCHENECTADY NY 123033374, SCHENECTADY, NY 12303-3374

Mortgage

Document Number	0000013859
Date	Mar 28, 2017
Book Page	004751/000219
Instrument	13859

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2047

Interest

Rate Type	Adjustable Rate

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	$3,727.00 (+1.75%) Homeowner's exemption Senior Citizen's exemption
2025	$3,663.00	$125,000 (-) Land $9,900 Building $115,100	$192,300 (+16.9%) Land $15,230 Building $177,070
2023		$125,000 (-) Land $9,900 Building $115,100	$164,500 (+9.23%) Land $13,028 Building $151,472
2022		$125,000 Land $9,900 Building $115,100	$150,600 Land $11,928 Building $138,672

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 99.1% of the US · lower than 99.2% 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 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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