1028 Bill Rd, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1028 Bill Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,612 sqft · built 1950
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Sep 2013)
Tax Bill	$5,413 (2026)
Deeds & Mortgages	Sep 2023 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.20-7-18`

Property Details

APN / Parcel Number

Primary APN	`422800 59.20-7-18`
Alternative APN	`280005902000070180000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,612 sqft Living Area
1st Floor Area	1,092 sqft
Upper Floors Area	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
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	294 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1028 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,BF,2DM,FP,ROG,TLSH FREDS COMM - 56 4.-289-8
Legal Block	7
Legal Lot Number	18.000
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	2 Individual Names on Record
Mailing Address	1028 BILL RD, SCHENECTADY, NY 12303-2612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 14, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 11, 2018	Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2013 · Amount on Record
Deed Sale	Sep 5, 2013 · Amount on Record
Prior Sale	Feb 5, 2010 · Amount on Record
Deed Document Number	201339492
Deed Book / Page	1881 / 409
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1028 BILL RD, SCHENECTADY, NY 12303-2612
Transaction Type	Mortgage
Record Updated	Sep 20, 2023
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 BILL RD, SCHENECTADY, NY 12303-2612

Mortgage

Document Number	0000050390
Date	Sep 6, 2023
Book Page	5328/762
Instrument	202350390

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Sep 1, 2063

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1028 BILL RD, SCHENECTADY, NY 12303-2612
Document Number	0000029581
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 BILL RD SCHENECTADY NY 123032612, SCHENECTADY, NY 12303-2612

Mortgage

Document Number	0000029581
Date	Jul 6, 2018
Book Page	004848/000257
Instrument	29581

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2048

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	1028 BILL RD, SCHENECTADY, NY 12303-2612
Document Number	0000029575
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Jul 26, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 BILL RD SCHENECTADY NY 123032612, SCHENECTADY, NY 12303-2612

Mortgage

Document Number	0000029575
Date	Jul 6, 2018
Book Page	004848/000245
Instrument	29575

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	FISHERS, IN 46037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2048

Interest

Rate Type	Fixed Rate
Rate	4.37%

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	$5,413.00 (+1.71%) Homeowner's exemption
2025	$5,322.00	$145,000 (-) Land $10,700 Building $134,300	$223,100 (+16.93%) Land $16,463 Building $206,637
2023		$145,000 Land $10,700 Building $134,300	$190,800 Land $14,080 Building $176,720

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	Not rated no burnable land within 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 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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