Schenectady County and Rotterdam Town property record for 108 Geraldine Ct, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,036 sqft · built 2004 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,741 (2026) |
| Deeds & Mortgages | Mar 2022 Line of Credit Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.17-5-31 |
| Primary APN | 422800 48.17-5-31 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,036 sqft Living Area |
| 1st Floor Area | 1,276 sqft |
| 2nd Floor Area | 1,276 sqft |
| Upper Floors Area | 484 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 172 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
| Porch | Slab |
| Porch Area | 536 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 108 GERALDINE CT |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-1137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | 4 BR,2.5 BTH, G2 3273 S LOCUST MANOR VII 48.17-5-1.1 |
| Legal Subdivision | LOCUST MANOR SECTION 7 |
| Legal Block | 5 |
| Legal Lot Number | 31.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 32601 |
108 Geraldine Ct is owned and occupied by two individuals who acquired it in April 2003.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 GERALDINE CT, SCHENECTADY, NY 12306-1137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Jul 1, 2021 | Deed of Trust, Mortgage THE FIRST NEW YORK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 16, 2003 |
| Transfer Doc | 1650000356 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 108 GERALDINE CT, SCHENECTADY, NY 12306-1137 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000011410 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | 5206/486 |
| Instrument | 202211410 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 108 GERALDINE CT, SCHENECTADY, NY 12306-1137 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 108 GERALDINE CT, SCHENECTADY, NY 12306-1137 |
| Document Number | 0000031280 |
|---|---|
| Date | Jul 1, 2021 |
| Book Page | 5116/246 |
| Instrument | 202131280 |
| Name | THE FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 108 Geraldine Ct was $10,741 with a homeowner's exemption, down 7.3% 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 | $10,741.00 (-7.32%) Homeowner's exemption | ||
| 2025 | $11,589.00 | $289,400 Land $43,300 Building $246,100 | $445,200 Land $66,611 Building $378,589 |
| 2023 | $289,400 Land $43,300 Building $246,100 | $380,800 Land $56,975 Building $323,825 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Geraldine Ct 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.
Wildfire risk around 108 Geraldine Ct 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 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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 |
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