Schenectady County and Rotterdam Town property record for 103 Sterling Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,528 sqft · built 1985 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $370,000 (Mar 2023) |
| Tax Bill | $8,546 (2026) |
| Deeds & Mortgages | Jan 2026 Line of Credit Sep 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 58.18-2-25 |
| Primary APN | 422800 58.18-2-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 528 sqft |
| Finished Basement | 528 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 100 ft deep x 170 ft wide |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 103 STERLING RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-9406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | R,G2,BF,TLSH, LG DET G W/ WESTCOTT EST SECT #4-41 58.18-02-10 |
| Legal Subdivision | WESTCOTT ESTATES SECTION NO 4 |
| Legal Block | 2 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 33002 |
103 Sterling Rd is owned and occupied by two individuals who bought it in March 2023.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 STERLING RD, SCHENECTADY, NY 12306-9406 |
| 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.
| Date | Document |
|---|---|
| Jan 2, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Sep 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Nov 9, 2017 | Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 9, 2023 · Amount on File |
| Deed Sale | Mar 9, 2023 · Amount on File |
| Prior Sale | Sep 22, 2021 · Amount on File |
| Deed Document Number | 202313397 |
| Deed Book / Page | 2103 / 975 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 103 STERLING RD, SCHENECTADY, NY 12306-9406 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 103 STERLING RD, SCHENECTADY, NY 12306-9406 |
| Document Number | 0000000058 |
|---|---|
| Date | Jan 2, 2026 |
| Instrument | 202600058 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Oct 8, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 22, 2021 |
| Property Address | 103 STERLING RD, SCHENECTADY, NY 12306-9406 |
| Document Number | 0000046961 |
| Book / Page | 2067 / 723 |
| Map Reference | DR 63 MAP 158 |
| Instrument Date | Aug 23, 2021 |
| Instrument | 202146961 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,140.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 103 STERLING RD, 103, SCHENECTADY, NY 12306-9406 |
| Name | Verified Name |
|---|---|
| Address | 103 STERLING RD, SCHENECTADY, NY 12306-9406 |
| Document Number | 0000046962 |
|---|---|
| Date | Sep 22, 2021 |
| Instrument | 202146962 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 9, 2017 |
| Property Address | 103 STERLING RD, SCHENECTADY, NY 12306-9406 |
| Document Number | 0000050949 |
| Book / Page | 1974 / 989 |
| Instrument Date | Nov 3, 2017 |
| Instrument | 201750949 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $928.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 103 STERLING RD, 103, SCHENECTADY, NY 12306-9406 |
| Name | Verified Name |
|---|---|
| Address | 71 OAK ST, RENSSELAER, NY 12144-9742 |
| Document Number | 0000050951 |
|---|---|
| Date | Nov 9, 2017 |
| Instrument | 201750951 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
The 2026 property tax bill for 103 Sterling Rd was $8,546, down 7.2% from the year before.
Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Schalmont Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,546.00 (-7.22%) | ||
| 2025 | $9,211.00 | $229,700 Land $29,300 Building $200,400 | $353,400 Land $45,079 Building $308,321 |
| 2023 | $229,700 Land $29,300 Building $200,400 | $302,200 Land $38,548 Building $263,652 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Sterling Rd 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 risk around 103 Sterling Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 98 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
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