1045 6th St, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1045 6th St, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,593 sqft · built 1950
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$185,500 (May 2020)
Tax Bill	$6,266 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.15-6-27`

Property Details

APN / Parcel Number

Primary APN	`422800 59.15-6-27`
Alternative APN	`280005901500060270000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,593 sqft Living Area
1st Floor Area	1,257 sqft
Basement Area	336 sqft
Finished Basement	336 sqft
Game Room	Game Room

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	125 ft deep x 65 ft wide
Garage Type	Basement
Porch	Slab
Porch Area	50 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1045 6TH ST
City	SCHENECTADY
State	NY
Zip	12303-3193
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	12 R,G,SF STURDY 5.-394-9
Legal Block	6
Legal Lot Number	27.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	3
Census Block	3010
Census Tract	32901

Owner

1045 6th St is owned and occupied by an individual who bought it in May 2020.

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1045 6TH ST, SCHENECTADY, NY 12303-3193
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2020 · Amount on File
Deed Sale	May 26, 2020 · Amount on File
Prior Sale	Feb 7, 2014 · Amount on File
Deed Document Number	202014798
Deed Book / Page	2035 / 174
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 26, 2020
Property Address	1045 6TH ST, SCHENECTADY, NY 12303-3193
Document Number	0000014798
Book / Page	2035 / 174
Instrument Date	Apr 21, 2020
Instrument	202014798
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	FORD AND REALE TTL SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1045 6TH ST, 1045, SCHENECTADY, NY 12303-3193

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MERRALL DR, CLIFTON PARK, NY 12065-7225

Mortgage

Document Number	0000014802
Date	May 26, 2020
Instrument	202014802

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1045 6th St was $6,266, up 2% from the year before.

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	$6,266.00 (+2.02%)
2025	$6,142.00	$167,000 Land $11,400 Building $155,600	$256,900 Land $17,537 Building $239,363
2023		$167,000 Land $11,400 Building $155,600	$219,700 Land $14,997 Building $204,703

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1045 6th St in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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

Wildfire risk around 1045 6th 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	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 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20