1032 Bill Rd, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1032 Bill Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,736 sqft · built 1953
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (May 2026)
Tax Bill	$4,820 (2026)
Deeds & Mortgages	Aug 2024 Line of Credit May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.20-7-17`

Property Details

APN / Parcel Number

Primary APN	`422800 59.20-7-17`
Alternative APN	`280005902000070170000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,736 sqft Living Area
1st Floor Area	1,172 sqft
Upper Floors Area	564 sqft

Exterior

Year Built	Built 1953
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
Porch	Patio
Porch Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1032 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,BF,FP,OG,FMRM,PT FREDS COMM - 55 4.-289-7
Legal Subdivision	FREDS COMMUNITY POLT
Legal Block	7
Legal Lot Number	17.000
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	Individual Name on Record
Mailing Address	1760 HELDERBERG AVE, B205, SCHENECTADY, NY 12306-4245
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2024	Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage BALLSTON SPA NATIONAL BANK
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 18, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Deed Document Number	202612269
Deed Book / Page	2172 / 951
Prior Transfer Date	Dec 29, 2005
Prior Transfer Doc	0017240682
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1032 BILL RD, SCHENECTADY, NY 12303-2612
Transaction Type	Mortgage
Record Updated	Jun 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048893
Date	Aug 16, 2024
Book Page	5390/40
Instrument	202448893

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 28, 2026
Property Address	1032 BILL RD, SCHENECTADY, NY 12303-2612
Document Number	0000012269
Book / Page	2172 / 951
Instrument Date	May 20, 2026
Instrument	202612269
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	CSC INGEO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$107,060.00
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	Joint Tenants

Mortgage

Document Number	0000012270,
Date	May 28, 2026
Instrument	202612270

Lender

Name	BALLSTON SPA NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1032 BILL RD, SCHENECTADY, NY 12303-2612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 BILL RD, SCHENECTADY, NY 12303-2612

Mortgage

Document Number	0000038087
Date	Dec 2, 2020
Book Page	5045/936
Instrument	202038087

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1032 BILL RD, SCHENECTADY, NY 12303-2612
Document Number	0000017708
Instrument Date	Apr 18, 2019
Transaction Type	Mortgage
Record Updated	May 9, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 BILL RD SCHENECTADY NY 123032612, SCHENECTADY, NY 12303-2612

Mortgage

Document Number	0000017708
Date	Apr 24, 2019
Book Page	004906/000729
Instrument	17708

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2049

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	$4,820.00 (+3.81%) Homeowner's exemption Senior Citizen's exemption
2025	$4,643.00	$155,000 (-) Land $10,700 Building $144,300	$238,500 (+16.97%) Land $16,464 Building $222,036
2023		$155,000 Land $10,700 Building $144,300	$203,900 Land $14,076 Building $189,824

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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