104 Christopher Ln, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 104 Christopher Ln, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,766 sqft · built 1973
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$102,500 (Aug 2012)
Tax Bill	$6,583 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.7-1-26`

Property Details

APN / Parcel Number

Primary APN	`422800 59.7-1-26`
Alternative APN	`280005900700010260000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,766 sqft Living Area
1st Floor Area	1,150 sqft
Basement Area	616 sqft
Finished Basement	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1985
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	159 ft deep x 91 ft wide
Garage Type	Basement

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	52 sqft
Porch	Slab
Porch Area	100 sqft
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	104 CHRISTOPHER LN
City	SCHENECTADY
State	NY
Zip	12303-2333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G2,ADD WAGNER - 21 PT20 4.-340-21
Legal Block	1
Legal Lot Number	26.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1009
Census Tract	32902

Owner

Source: Schenectady County and Rotterdam Town records, as of April 14, 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	104 CHRISTOPHER LN, SCHENECTADY, NY 12303-2333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2012 · Amount on Record
Deed Sale	Aug 29, 2012 · Amount on Record
Prior Sale	Jul 14, 2006 · Amount on Record
Deed Document Number	201237426
Deed Book / Page	1861 / 317
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	104 CHRISTOPHER LN, SCHENECTADY, NY 12303-2333
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CHRISTOPHER LN, SCHENECTADY, NY 12303-2333

Mortgage

Document Number	0000001539
Date	Jan 13, 2021
Book Page	5059/133
Instrument	202101539

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Dec 11, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	104 CHRISTOPHER LN, SCHENECTADY, NY 12303-2333
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CHRISTOPHER LN, SCHENECTADY, NY 12303-2333

Mortgage

Document Number	0000001565
Date	Jan 13, 2021
Book Page	5059/152
Instrument	202101565

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Dec 11, 2040

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
2025	$6,583.00	$179,000 (-) Land $14,900 Building $164,100	$275,400 (+16.94%) Land $22,924 Building $252,476
2023		$179,000 Land $14,900 Building $164,100	$235,500 Land $19,603 Building $215,897

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 369 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Greenlight Networks.

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