Schenectady County and Rotterdam Town property record for 106 Sterling Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,982 sqft · built 2002 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $177,000 (Mar 2003) |
| Tax Bill | $9,599 (2026) |
| Deeds & Mortgages | Nov 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 58.18-2-8.11 |
| Primary APN | 422800 58.18-2-8.11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,982 sqft Living Area |
| 1st Floor Area | 1,172 sqft |
| 2nd Floor Area | 810 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 44,867 sqft (1.03 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 375 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 106 STERLING RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-9406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Block | 2 |
| Legal Lot Number | 8.011 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 33002 |
106 Sterling Rd is owned and occupied by two individuals who bought it in March 2003.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 106 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 7, 2003 · Amount on File |
| Deed Sale | Mar 7, 2003 · Amount on File |
| Deed Book / Page | 1646 / 151 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 106 STERLING RD, SCHENECTADY, NY 12306-9406 |
| Document Number | 0000000938 |
| Instrument Date | Nov 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2019 |
| Name | Verified Name |
|---|---|
| Address | 106 STERLING RD SCHENECTADY NY 123069406, SCHENECTADY, NY 12306-9406 |
| Document Number | 0000000938 |
|---|---|
| Date | Jan 8, 2019 |
| Book Page | 004888/000332 |
| Instrument | 938 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84119 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 468 Months |
| Due | Jan 7, 2058 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
The 2026 property tax bill for 106 Sterling Rd was $9,599 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 | $9,599.00 (-7.22%) Homeowner's exemption | ||
| 2025 | $10,346.00 | $258,000 Land $75,200 Building $182,800 | $396,900 Land $115,686 Building $281,214 |
| 2023 | $258,000 Land $75,200 Building $182,800 | $339,500 Land $98,955 Building $240,545 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 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 106 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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