Schenectady County and Rotterdam Town property record for 104 Rotterdam St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,365 sqft · built 1959 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Jul 2017) |
| Tax Bill | $6,379 (2026) |
| Deeds & Mortgages | Aug 2023 Mortgage Jun 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.14-3-40 |
| Primary APN | 422800 48.14-3-40 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,365 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Upper Floors Area | 585 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 150 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 104 ROTTERDAM ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-1524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,SHDM TURNBULL-98 6.-483-2 |
| Legal Block | 3 |
| Legal Lot Number | 40.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 32700 |
104 Rotterdam St is owned and occupied by two individuals who bought it in July 2017.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 ROTTERDAM ST, SCHENECTADY, NY 12306-1524 |
| 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 28, 2023 | Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Jun 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Jul 17, 2017 | Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2017 · Amount on File |
| Deed Sale | Jul 17, 2017 · Amount on File |
| Prior Sale | Sep 23, 2013 · Amount on File |
| Deed Document Number | 201731798 |
| Deed Book / Page | 1967 / 61 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 104 ROTTERDAM ST, SCHENECTADY, NY 12306-1524 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | VYLLA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 104 ROEFERDAM ST, SCHENECTADY, NY 12306-1524 |
| Document Number | 0000048815 |
|---|---|
| Date | Aug 28, 2023 |
| Book Page | 5326/564 |
| Instrument | 202348815 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 104 ROTTERDAM ST, SCHENECTADY, NY 12306-1524 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 104 ROTTERDAM ST, SCHENECTADY, NY 12306-1524 |
| Document Number | 0000034896 |
|---|---|
| Date | Jun 15, 2023 |
| Book Page | 5310/876 |
| Instrument | 202334896 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 345 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 17, 2017 |
| Property Address | 104 ROTTERDAM ST, SCHENECTADY, NY 12306-1524 |
| Document Number | 0000031798 |
| Book / Page | 1967 / 061 |
| Instrument Date | Jun 23, 2017 |
| Instrument | 201731798 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 ROTTERDAM ST, 104, SCHENECTADY, NY 12306-1524 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1746 LENOX RD, SCHENECTADY, NY 12308-2033 |
| Document Number | 0000031800 |
|---|---|
| Date | Jul 17, 2017 |
| Instrument | 201731800 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2047 |
The 2026 property tax bill for 104 Rotterdam St was $6,379, down 7% 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 | $6,379.00 (-7.03%) | ||
| 2025 | $6,861.00 | $171,000 Land $10,200 Building $160,800 | $263,100 Land $15,694 Building $247,406 |
| 2023 | $171,000 Land $10,200 Building $160,800 | $225,000 Land $13,421 Building $211,579 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Rotterdam St in Zone X, an area of minimal flood risk.
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 risk around 104 Rotterdam St 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 341 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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