Schenectady County and Rotterdam Town property record for 1037 Gates Dr, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,176 sqft · built 1972 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $142,500 (Jul 2002) |
| Tax Bill | $7,685 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 58.18-1-21 |
| Primary APN | 422800 58.18-1-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,176 sqft Living Area |
| 1st Floor Area | 1,136 sqft |
| Basement Area | 1,040 sqft |
| Finished Basement | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 155 ft deep x 130 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 150 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Gazebo | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1037 GATES DR |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-5627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G HBF,FP,ENCBZY WESTCOT EST 2-34 6.-449-11 |
| Legal Subdivision | WESTCOTT ESTATES SECTION II |
| Legal Block | 1 |
| Legal Lot Number | 21.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 33002 |
1037 Gates Dr is owned and occupied by two individuals who bought it in July 2002.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1037 GATES DR, SCHENECTADY, NY 12306-5627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2021 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| Jun 19, 2018 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2002 · Amount on File |
| Deed Sale | Jul 22, 2002 · Amount on File |
| Deed Book / Page | 1629 / 93 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1037 GATES DR, SCHENECTADY, NY 12306-5627 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | CUSTOMIZED LENDERS SERVICES INC, CUSTOMIZED LENDERS SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1037 GATES DR, SCHENECTADY, NY 12306-5627 |
| Document Number | 0000019563 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 5094/942 |
| Instrument | 202119563 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 19, 2018 |
| Property Address | 1037 GATES DR, SCHENECTADY, NY 12306-5627 |
| Document Number | 0000027003 |
| Book / Page | 001989 / 000560 |
| Instrument Date | Jun 12, 2018 |
| Instrument | 27003 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2018 |
| Title Company | CUSTOMIZED LENDERS SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $874.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1101 N WESTCOTT RD SCHENECTADY NY 123062013, SCHENECTADY, NY 12306-2013 |
| Document Number | 27005 |
|---|---|
| Date | Jun 19, 2018 |
| Book Page | 004844/000835 |
| Instrument | 27005 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 18, 2048 |
The 2026 property tax bill for 1037 Gates Dr was $7,685 with a veteran's exemption, down 7.5% 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 | $7,685.00 (-7.5%) Veteran's exemption | ||
| 2025 | $8,308.00 | $224,000 Land $36,000 Building $188,000 | $344,600 Land $55,382 Building $289,218 |
| 2023 | $224,000 Land $36,000 Building $188,000 | $294,700 Land $47,362 Building $247,338 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1037 Gates Dr 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 1037 Gates Dr 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 164 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures