1026 Day Rd, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1026 Day Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1954
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,039 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.20-4-23`

Property Details

APN / Parcel Number

Primary APN	`422800 59.20-4-23`
Alternative APN	`280005902000040230000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1980
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	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1026 DAY RD
City	SCHENECTADY
State	NY
Zip	12303-3363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G FREDS COMM-214 4.-295-12
Legal Block	4
Legal Lot Number	23.000
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 Individual Names on Record
Mailing Address	1026 DAY RD, SCHENECTADY, NY 12303-3363
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Nov 16, 2022	Deed of Trust, Mortgage · Line of Credit SUNMARK FCU
Jan 6, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SEFCU MORTGAGE SERVICES
Oct 28, 2020	Deed of Trust, Mortgage SUNMARK FCU
Oct 28, 2020	Deed of Trust, Mortgage · Line of Credit SUNMARK FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 6, 2026
Property Address	1026 DAY RD, SCHENECTADY, NY 12303-3363
Document Number	0000015227
Instrument Date	Jun 16, 2026
Instrument	202615227
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 DAY RD, SCHENECTADY, NY 12303-3363

Mortgage

Document Number	0000015227,
Date	Jul 6, 2026
Instrument	202615227

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 22, 2041

Interest

Rate Type	Fixed Rate
Rate	5.85%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1026 DAY RD, SCHENECTADY, NY 12303-3363
Transaction Type	Mortgage
Record Updated	Dec 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 DAY RD, SCHENECTADY, NY 12303-3363

Mortgage

Document Number	0000060350
Date	Nov 16, 2022
Book Page	5270/811
Instrument	202260350

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	178 Months
Due	Sep 15, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1026 DAY RD, SCHENECTADY, NY 12303-3363
Transaction Type	Mortgage
Record Updated	Jan 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 DAY RD, SCHENECTADY, NY 12303-3363

Mortgage

Document Number	0000000852
Date	Jan 6, 2022
Book Page	5187/14
Instrument	202200852

Lender

Name	SEFCU MORTGAGE SERVICES
Type	Mortgage Company
Address	ALBANY, NY 12206

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2032

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1026 DAY RD, SCHENECTADY, NY 12303-3363
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 DAY RD, SCHENECTADY, NY 12303-3363

Mortgage

Document Number	0000033681
Date	Oct 28, 2020
Book Page	5034/476
Instrument	202033681

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1026 DAY RD, SCHENECTADY, NY 12303-3363
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 DAY RD, SCHENECTADY, NY 12303-3363

Mortgage

Document Number	0000033680
Date	Oct 28, 2020
Book Page	5034/466
Instrument	202033680

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 25, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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%) Homeowner's exemption Senior Citizen's exemption
2025	$4,955.00	$135,000 (-) Land $9,900 Building $125,100	$207,700 (+16.95%) Land $15,231 Building $192,469
2023		$135,000 Land $9,900 Building $125,100	$177,600 Land $13,024 Building $164,576

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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