1040 Lucy Rd, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1040 Lucy Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,676 sqft · built 1993
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Company Names on Record
Tax Bill	$8,009 (2026)
Deeds & Mortgages	Sep 2024 Transfer Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.20-3-20.12`

Property Details

APN / Parcel Number

Primary APN	`422800 59.20-3-20.12`
Alternative APN	`280005902000030200120000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,676 sqft Living Area
1st Floor Area	1,052 sqft
2nd Floor Area	624 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
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	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	396 sqft
Patio Area	40 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1040 LUCY RD
City	SCHENECTADY
State	NY
Zip	12303-3367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,2STY,2-G2 LNDS OF SMITH - 3 59.20-3-20
Legal Block	3
Legal Lot Number	20.012
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 Company Names on Record
Mailing Address	139 DYLAN DR, BROADALBIN, NY 12025-1906
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2024	Quit Claim Deed, Transfer Quitclaim
Nov 9, 2017	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 2, 2024
Transfer Doc	0000055840
Record Updated	Oct 29, 2026

September 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 20, 2024
Property Address	1040 LUCY RD, SCHENECTADY, NY 12303-3367
Document Number	0000055840
Book / Page	2138 / 175
Map Reference	CAB 1 PG 170&171
Instrument Date	Jul 2, 2024
Instrument	202455840
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1040 LUCY ROAD, ALBANY, NY 12211

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	139 DYLAN DR, BROADALBIN, NY 12025-1906

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1040 LUCY RD, SCHENECTADY, NY 12303-3367
Document Number	0000053946
Book / Page	004804 / 000114
Instrument Date	Nov 9, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1040 LUCY RD SCHENECTADY NY 123033367, SCHENECTADY, NY 12303-3367

Mortgage

Document Number	0000053946
Date	Nov 29, 2017
Book Page	004804/000114
Instrument	53946

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2047

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	$8,009.00 (+1.99%) Homeowner's exemption Veteran's exemption
2025	$7,853.00	$225,000 (-) Land $16,700 Building $208,300	$346,200 (+16.92%) Land $25,696 Building $320,504
2023		$225,000 Land $16,700 Building $208,300	$296,100 Land $21,977 Building $274,123

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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