Schenectady County and Rotterdam Town property record for 105 Sterling Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,528 sqft · built 1988 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Jun 2013) |
| Tax Bill | $8,408 (2026) |
| Deeds & Mortgages | Mar 2022 Line of Credit Mar 2017 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 58.18-2-26 |
| Primary APN | 422800 58.18-2-26 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 528 sqft |
| Finished Basement | 528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 30,056 sqft (0.69 acres) |
| Lot Dimensions | 200 ft deep x 150 ft wide |
| Garage Type | Basement |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Slab |
| Porch Area | 150 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 105 STERLING RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-9406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | R,G2,SF,FP,SP WESTCOTT EST SECT #4-42 58.18-02-10 |
| Legal Subdivision | WESTCOTT ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 26.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 33002 |
105 Sterling Rd is owned and occupied by an individual who bought it in June 2013.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 105 STERLING RD, SCHENECTADY, NY 12306-9406 |
| 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 |
|---|---|
| Mar 25, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Mar 17, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK/TX |
| Mar 17, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2013 · Amount on File |
| Deed Sale | Jun 21, 2013 · Amount on File |
| Prior Sale | Jun 29, 2012 · Amount on File |
| Deed Document Number | 201327325 |
| Deed Book / Page | 1877 / 310 |
| Prior Transfer Date | Jul 19, 2011 |
| Prior Transfer Doc | 0000031786 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 105 STERLING RD, SCHENECTADY, NY 12306-9406 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 105 STERLING RD, ROTTERDAM, NY 12306-9406 |
| Document Number | 0000015355 |
|---|---|
| Date | Mar 25, 2022 |
| Book Page | 5213/304 |
| Instrument | 202215355 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Feb 18, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 105 STERLING RD, SCHENECTADY, NY 12306-9406 |
| Document Number | 0000024676 |
| Instrument Date | Mar 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 105 STERLING RD ROTTERDAM NY 123069406, ROTTERDAM, NY 12306-9406 |
| Document Number | 0000024676 |
|---|---|
| Date | Jun 5, 2017 |
| Book Page | 004764/000296 |
| Instrument | 24676 |
| Name | WELLS FARGO BK/TX |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 4, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 105 STERLING RD, SCHENECTADY, NY 12306-9406 |
| Document Number | 0000021446 |
| Instrument Date | Mar 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 105 STERLING RD ROTTERDAM NY 123069406, ROTTERDAM, NY 12306-9406 |
| Document Number | 0000021446 |
|---|---|
| Date | May 15, 2017 |
| Book Page | 004760/000373 |
| Instrument | 21446 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410-8000 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 14, 2047 |
The 2026 property tax bill for 105 Sterling Rd was $8,408 with a homeowner's exemption, down 7.2% 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 | Schalmont Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,408.00 (-7.23%) Homeowner's exemption | ||
| 2025 | $9,063.00 | $226,000 Land $51,800 Building $174,200 | $347,700 Land $79,694 Building $268,006 |
| 2023 | $226,000 Land $51,800 Building $174,200 | $297,400 Land $68,165 Building $229,235 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 Sterling Rd 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 | 4 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 risk around 105 Sterling Rd is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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 98 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
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