Schenectady County and Rotterdam Town property record for 1045 Wallace Ave, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,056 sqft · built 1946 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Sep 2025) |
| Tax Bill | $5,670 (2026) |
| Deeds & Mortgages | Jul 2026 Sale Mar 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.19-14-18 |
| Primary APN | 422800 48.19-14-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Upper Floors Area | 336 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1970 |
| 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 |
| Garage Type | Attached |
| Garage Area | 180 sqft |
| Porch | Porch |
| Porch Area | 150 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1045 WALLACE AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-2007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G SCHDY ANNEX 473 6.-464-20 |
| Legal Block | 14 |
| Legal Lot Number | 18.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 33004 |
1045 Wallace Ave is owned and occupied by two individuals who bought it in September 2025.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1045 WALLACE AVE, SCHENECTADY, NY 12306-2007 |
| 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 |
|---|---|
| Jul 2, 2026 | Deed, Transfer SIMPLE TITLE, SIMPLIFILE |
| Mar 10, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jun 13, 2024 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Jun 13, 2024 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Sep 15, 2025 | Warranty Deed, Transfer · FHA Mortgage NEWREZ LLC |
| Jul 21, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2025 · Amount on File |
| Deed Sale | Sep 15, 2025 · Amount on File |
| Deed Document Number | 202521945 |
| Deed Book / Page | 2156 / 778 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 2, 2026 |
| Property Address | 1045 WALLACE AVE, SCHENECTADY, NY 12306-2007 |
| Document Number | 0000015107 |
| Book / Page | 2174 / 976 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 202615107 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1045 WALLACE AVE, SCHENECTADY, NY 12306-2007 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1045 WALLACE AVE, SCHENECTADY, NY 12306-2007 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1045 WALLACE AVE, SCHENECTADY, NY 12306-2007 |
| Document Number | 0000013875 |
|---|---|
| Date | Mar 10, 2023 |
| Book Page | 5293/526 |
| Instrument | 202313875 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Feb 23, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1045 WALLACE AVE, SCHENECTADY, NY 12306-2007 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | QUICK SILVA TITLE AND ESCROW, QUICKSILVA TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Address | 1045 WALLACE AVE, SCHENECTADY, NY 12306-2007 |
| Document Number | 0000035936 |
|---|---|
| Date | Jun 13, 2024 |
| Book Page | 5379/712 |
| Instrument | 202435936 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1045 WALLACE AVE, SCHENECTADY, NY 12306-2007 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | QUICK SILVA TITLE AND ESCROW, QUICKSILVA TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Address | 1045 WALLACE AVE, SCHENECTADY, NY 12306-2007 |
| Document Number | 0000035937 |
|---|---|
| Date | Jun 13, 2024 |
| Book Page | 5379/733 |
| Instrument | 202435937 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 15, 2025 |
| Property Address | 1045 WALLACE AVE, SCHENECTADY, NY 12306-2007 |
| Document Number | 0000021945 |
| Instrument Date | Aug 25, 2025 |
| Instrument | 202521945 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1045 WALLACE AVE, ROTTERDAM, NY 12306-2007 |
| Name | Verified Name |
|---|---|
| Address | 47 MCARTHUR RD, LATHAM, NY 12110 |
| Investor | Possibly a Property Investor |
| Document Number | 0000021946 |
|---|---|
| Date | Sep 15, 2025 |
| Instrument | 202521946 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1045 WALLACE AVE, SCHENECTADY, NY 12306-2007 |
| Document Number | 0000023092 |
| Instrument Date | Jul 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 1045 WALLACE AVE SCHENECTADY NY 123062007, SCHENECTADY, NY 12306-2007 |
| Document Number | 0000023092 |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 005011/000014 |
| Instrument | 23092 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 9, 2045 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 1045 Wallace Ave was $5,670 with exemptions applied, up 2% 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 | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,670.00 (+2.03%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $5,557.00 | $152,000 (-) Land $6,800 Building $145,200 | $233,800 (+10.75%) Land $10,459 Building $223,341 |
| 2024 | $152,000 (-) Land $6,800 Building $145,200 | $211,100 (+5.55%) Land $9,444 Building $201,656 | |
| 2023 | $152,000 Land $6,800 Building $145,200 | $200,000 Land $8,947 Building $191,053 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1045 Wallace Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
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 risk around 1045 Wallace Ave 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 98% of the US · lower than 97.9% 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.
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 438 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures