1039 Lucy Rd, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1039 Lucy Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,088 sqft · built 1993
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$143,500 (Oct 2000)
Tax Bill	$9,705 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.20-3-20.2`

Property Details

APN / Parcel Number

Primary APN	`422800 59.20-3-20.2`
Alternative APN	`280005902000030200020000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,088 sqft Living Area
1st Floor Area	1,104 sqft
2nd Floor Area	984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	170 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	300 sqft
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1039 LUCY RD
City	SCHENECTADY
State	NY
Zip	12303-3366
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R-2STY,G2,TLSH,FMRM,G1 LNDS OF SMITH -- 2 59.20-3-20
Legal Block	3
Legal Lot Number	20.002
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	2
Census Block	2007
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	2 Individual Names on Record
Mailing Address	1039 LUCY RD, SCHENECTADY, NY 12303-3366
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Jun 8, 2020	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Jan 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2000 · Amount on Record
Deed Sale	Oct 20, 2000 · Amount on Record
Deed Book / Page	1588 / 469
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1039 LUCY RD, SCHENECTADY, NY 12303-3366
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1039 LUCY RD, SCHENECTADY, NY 12303-3366

Mortgage

Document Number	0000057344
Date	Oct 31, 2022
Book Page	5267/723
Instrument	202257344

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1039 LUCY RD, SCHENECTADY, NY 12303-3366
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016311
Date	Jun 8, 2020
Book Page	4994/304
Instrument	202016311

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 4, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1039 LUCY RD, SCHENECTADY, NY 12303-3366
Document Number	0000003771
Instrument Date	Jan 9, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1039 LUCY RD SCHENECTADY NY 123033366, SCHENECTADY, NY 12303-3366

Mortgage

Document Number	0000003771
Date	Jan 23, 2018
Book Page	004815/000556
Instrument	3771

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 22, 2028

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	$9,705.00 (+1.71%) Homeowner's exemption
2025	$9,542.00	$260,000 (-) Land $16,700 Building $243,300	$400,000 (+16.92%) Land $25,692 Building $374,308
2023		$260,000 Land $16,700 Building $243,300	$342,100 Land $21,973 Building $320,127

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	Low lower than 99.1% of the US · lower than 99.2% 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.

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 372 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: Greenlight Networks, T-Mobile, Verizon.

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