103 Steeple Way, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 103 Steeple Way, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,242 sqft · built 1946
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Jul 2026)
Tax Bill	$8,520 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 58.19-3-5`

Property Details

APN / Parcel Number

Primary APN	`422800 58.19-3-5`
Alternative APN	`280005801900030050000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,242 sqft Living Area
1st Floor Area	1,068 sqft
2nd Floor Area	1,174 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1970
Architectural Style	Other
Exterior Material	Stone
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	126 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Porch
Porch Area	225 sqft
Patio Area	225 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	103 STEEPLE WAY
City	SCHENECTADY
State	NY
Zip	12306-2547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-1
Legal Description	R,G,SF,FP SACKAS & BARKO 4 7.-512-23
Legal Subdivision	PROPERTY BELONGING TO AP SAKACS
Legal Block	3
Legal Lot Number	5.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1026
Census Tract	33002

Owner

103 Steeple Way is owned by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	639 POUTRE AVE, SCHENECTADY, NY 12306-3035
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 7, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU
Jan 24, 2017	Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2026 · Amount on File
Deed Sale	Jul 7, 2026 · Amount on File
Prior Sale	Nov 4, 2013 · Amount on File
Deed Document Number	202615379
Deed Book / Page	2175 / 292
Prior Transfer Date	Dec 28, 2016
Prior Transfer Doc	0000003805
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 7, 2026
Property Address	103 STEEPLE WAY, SCHENECTADY, NY 12306-2547
Document Number	0000015379
Book / Page	2175 / 292
Instrument Date	Jul 6, 2026
Instrument	202615379
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187,860.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	639 POUTRE AVE, SCHENECTADY, NY 12306-3035

Mortgage

Document Number	0000015380,
Date	Jul 7, 2026
Instrument	202615380

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	103 STEEPLE WAY, SCHENECTADY, NY 12306-2547
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 STEEPLE WAY, ROTTERDAM, NY 12306-2547

Mortgage

Document Number	0000013934
Date	Mar 17, 2022
Book Page	5210/701
Instrument	202213934

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 24, 2017
Property Address	103 STEEPLE WAY, SCHENECTADY, NY 12306-2547
Document Number	0000003805
Book / Page	001955 / 000009
Instrument Date	Dec 28, 2016
Instrument	3805
Transaction Type	Transfer
Record Updated	Jan 31, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 STEEPLE WAY SCHENECTADY NY 123062547, SCHENECTADY, NY 12306-2547

Mortgage

Document Number	3806,
Date	Jan 24, 2017
Book Page	004738/000205
Instrument	3806

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 103 Steeple Way was $8,520, down 7.2% 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	Schalmont Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,520.00 (-7.22%)
2025	$9,183.00	$229,000 Land $19,000 Building $210,000	$352,300 Land $29,230 Building $323,070
2023		$229,000 Land $19,000 Building $210,000	$301,300 Land $24,999 Building $276,301

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 103 Steeple Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 103 Steeple Way is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Steeple Way

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