Schenectady County and Rotterdam Town property record for 1055 Laura St, Schenectady, NY 12306
| Details | 3 bd · 3.5 ba · 1,185 sqft · built 1936 |
|---|---|
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $149,500 (Oct 2018) |
| Tax Bill | $4,893 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.20-3-18 |
| Primary APN | 422800 48.20-3-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,185 sqft Living Area |
| 1st Floor Area | 790 sqft |
| Upper Floors Area | 395 sqft |
| Game Room | Game Room |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 376 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1055 LAURA ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3827 |
| Property Category | Other |
| Property Type | Unknown |
| Local Zoning Code | R-1 |
| Legal Description | R,G FAGAN #10 - 102 3.-275-17 |
| Legal Subdivision | FAGANS SUBDIVISION 10 |
| Legal Block | 3 |
| Legal Lot Number | 18.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 33300 |
1055 Laura St is owned and occupied by an individual who bought it in October 2018.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1055 LAURA ST, SCHENECTADY, NY 12306-3827 |
| 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 |
|---|---|
| Oct 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 9, 2018 | Deed, Transfer · FHA Mortgage SEFCU MORTGAGE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2018 · Amount on File |
| Deed Sale | Oct 9, 2018 · Amount on File |
| Prior Sale | Aug 18, 2004 · Amount on File |
| Deed Document Number | 201844508 |
| Deed Book / Page | 1997 / 393 |
| Prior Transfer Date | Mar 28, 1994 |
| Prior Transfer Doc | 1415000082 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1055 LAURA ST, SCHENECTADY, NY 12306-3827 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1055 LAURA ST, ROTTERDAM, NY 12306-3827 |
| Document Number | 0000051122 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 5156/634 |
| Instrument | 202151122 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 9, 2018 |
| Property Address | 1055 LAURA ST, SCHENECTADY, NY 12306-3827 |
| Document Number | 0000044508 |
| Book / Page | 1997 / 393 |
| Map Reference | CAB B-202&203 |
| Instrument Date | Oct 3, 2018 |
| Instrument | 201844508 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $598.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 227 PHILLIPS RD, 227, SCHENECTADY, NY 12306-5736 |
| Name | Verified Name |
|---|---|
| Address | 105 HILLCREST VLG E APT B4, B4, SCHENECTADY, NY 12309-3813 |
| Document Number | 0000044510 |
|---|---|
| Date | Oct 9, 2018 |
| Instrument | 201844510 |
| Name | SEFCU MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Number | 0000044510 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 4869/736 |
| Instrument | 201844510 |
| Name | SEFCU MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12206 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
The 2026 property tax bill for 1055 Laura St was $4,893, up 1.9% 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 | $4,893.00 (+1.92%) | ||
| 2025 | $4,801.00 | $131,000 Land $5,500 Building $125,500 | $201,500 Land $8,460 Building $193,040 |
| 2023 | $131,000 Land $5,500 Building $125,500 | $172,400 Land $7,238 Building $165,162 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1055 Laura 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.
The area around 1055 Laura St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 701 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 |
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