1026 Theodore Rd, Schenectady, NY 12303 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,167 sqft · built 1951
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$142,000 (Apr 2016)
Tax Bill	$5,077 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.20-3-36`

Property Details

APN / Parcel Number

Primary APN	`422800 59.20-3-36`
Alternative APN	`280005902000030360000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,167 sqft Living Area
1st Floor Area	1,167 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1985
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
Porch	Slab
Porch Area	100 sqft
Patio Area	50 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1026 THEODORE RD
City	SCHENECTADY
State	NY
Zip	12303-3375
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	233 R,G FREDS COMM 4.-296-6
Legal Subdivision	MAP #2 OF FREDS COMMUNITY PLOT
Legal Block	3
Legal Lot Number	36.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	2
Census Block	2007
Census Tract	32901

Owner

1026 Theodore Rd is owned and occupied by an individual who bought it in April 2016.

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

Owner of Record	Individual Name on File
Mailing Address	1026 THEODORE RD, SCHENECTADY, NY 12303-3375
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 1, 2023	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Aug 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU
Aug 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU
Jul 25, 2019	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2016 · Amount on File
Deed Sale	Apr 8, 2016 · Amount on File
Prior Sale	Jan 24, 2006 · Amount on File
Deed Document Number	201615187
Deed Book / Page	1935 / 79
Prior Transfer Date	Apr 29, 2014
Prior Transfer Doc	0000019393
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1026 THEODORE RD, SCHENECTADY, NY 12303-3375
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 THEODORE RD, SCHENECTADY, NY 12303-3375

Mortgage

Document Number	0000049913
Date	Sep 1, 2023
Book Page	5327/937
Instrument	202349913

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Aug 14, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1026 THEODORE RD, SCHENECTADY, NY 12303-3375
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 THEODORE RD, SCHENECTADY, NY 12303-3375

Mortgage

Document Number	0000040645
Date	Aug 19, 2021
Book Page	5133/701
Instrument	202140645

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1026 THEODORE RD, SCHENECTADY, NY 12303-3375
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 THEODORE RD, SCHENECTADY, NY 12303-3375

Mortgage

Document Number	0000040646
Date	Aug 19, 2021
Book Page	5133/715
Instrument	202140646

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1026 THEODORE RD, SCHENECTADY, NY 12303-3375
Document Number	0000035136
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 THEODORE RD SCHENECTADY NY 123033375, SCHENECTADY, NY 12303-3375

Mortgage

Document Number	0000035136
Date	Aug 6, 2019
Book Page	004929/000198
Instrument	35136

Lender

Name	CAPITAL COMMUNICATIONS FCU
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 5, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1026 Theodore Rd was $5,077, 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	$5,077.00 (+1.72%)
2025	$4,991.00	$136,000 Land $9,900 Building $126,100	$209,200 Land $15,229 Building $193,971
2023		$136,000 Land $9,900 Building $126,100	$178,900 Land $13,023 Building $165,877

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

Flood

FEMA maps place 1026 Theodore 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 1026 Theodore 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 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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