107 Putnam Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 107 Putnam Rd, Schenectady, NY 12306 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1900
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Mar 2026)
Tax Bill	$5,907 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 48.5-3-3`

Property Details

APN / Parcel Number

Primary APN	`422800 48.5-3-3`
Alternative APN	`280004800500030030000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	720 sqft
2nd Floor Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2008
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	295 ft deep x 40 ft wide
Porch	Slab
Porch Area	300 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	107 PUTNAM RD
City	SCHENECTADY
State	NY
Zip	12306-7219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R,G,APT 1.-34-21
Legal Block	3
Legal Lot Number	3.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	3
Census Block	3024
Census Tract	32602

Owner

Source: Schenectady County and Rotterdam Town records · APN 422800 48.5-3-3

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	35 LAKESHORE DR, WATERVLIET, NY 12189-3035
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed, Transfer · Conventional Mortgage BROADVIEW FCU
Jul 25, 2018	Warranty Deed, Transfer · ARM FIRST NATIONAL BANK OF SCOTIA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Prior Sale	May 15, 2025 · Amount on Record
Deed Document Number	20266648
Deed Book / Page	2168 / 957
Prior Transfer Date	Feb 09, 2006
Prior Transfer Doc	1728000260
Record Updated	Sep 20, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 24, 2026
Property Address	107 PUTNAM RD, SCHENECTADY, NY 12306-7219
Document Number	0000006648
Instrument Date	Mar 10, 2026
Instrument	202606648
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	927 SHARDON CT, SCHENECTADY, NY 12306-6719

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	35 LAKESHORE DR, WATERVLIET, NY 12189-3035

Mortgage

Document Number	0000006649
Date	Mar 24, 2026
Instrument	202606649

Lender

Name	BROADVIEW FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Apr 01, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Max Rate	11%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 25, 2018
Property Address	107 PUTNAM RD, SCHENECTADY, NY 12306-7219
Document Number	0000032949
Book / Page	1992 / 216
Instrument Date	Jul 16, 2018
Instrument	201832949
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	MARATHON TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$576.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 BEDFORD RD, 408, SCHENECTADY, NY 12308-3406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2008 FERGUSON ST, SCHENECTADY, NY 12303-4125

Mortgage

Document Number	0000032950
Date	Jul 25, 2018
Instrument	201832950

Lender

Name	FIRST NATIONAL BANK OF SCOTIA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Min Rate At Change	5.5%
Max Rate At Change	7%
Margin	3
Max Rate	11%

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Schalmont Central School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,907.00	$142,000 (-) Land $8,100 Building $133,900	$218,500 (+16.97%) Land $12,464 Building $206,036
2023		$142,000 Land $8,100 Building $133,900	$186,800 Land $10,655 Building $176,145

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360930326023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	5 (1980–2019)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Apr 2019, river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 128 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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