Schenectady County and Rotterdam Town property record for 1038 Vincent Ave, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,014 sqft · built 1935 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $56,000 (Mar 1999) |
| Tax Bill | $6,361 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage Aug 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.19-14-15.1 |
| Primary APN | 422800 48.19-14-15.1 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,014 sqft Living Area |
| 1st Floor Area | 676 sqft |
| Upper Floors Area | 338 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Detached |
| Garage Area | 824 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1038 VINCENT AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-2006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Block | 14 |
| Legal Lot Number | 15.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 33004 |
1038 Vincent Ave is owned and occupied by an individual who bought it in March 1999.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1038 VINCENT AVE, SCHENECTADY, NY 12306-2006 |
| 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 |
|---|---|
| Aug 13, 2019 | Deed of Trust, Mortgage TRUSTCO BANK |
| Aug 13, 2019 | Loan Modification, Mortgage · Conventional Mortgage TRUSTCO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 1999 · Amount on File |
| Deed Sale | Mar 18, 1999 · Amount on File |
| Deed Book / Page | 1553 / 331 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1038 VINCENT AVE, SCHENECTADY, NY 12306-2006 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000036118 |
|---|---|
| Date | Aug 13, 2019 |
| Book Page | 4930/640 |
| Instrument | 201936118 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Amount | Amount on Record |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 13, 2019 |
| Property Address | 1038 VINCENT AVE, SCHENECTADY, NY 12306-2006 |
| Book / Page | 004930 / 000646 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 36119 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1038 VINCENT AVE ROTTERDAM NY 123062006, ROTTERDAM, NY 12306-2006 |
| Document Number | 0000036119 |
|---|---|
| Date | Aug 13, 2019 |
| Book Page | 004930/000646 |
| Instrument | 36119 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 1038 Vincent Ave was $6,361 with a homeowner's exemption, up 2.1% 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 | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,361.00 (+2.05%) Homeowner's exemption | ||
| 2025 | $6,233.00 | $170,500 Land $13,600 Building $156,900 | $262,300 Land $20,922 Building $241,378 |
| 2023 | $170,500 Land $13,600 Building $156,900 | $224,300 Land $17,891 Building $206,409 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1038 Vincent Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
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 1038 Vincent Ave is low, with less than 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 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 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 438 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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