Schenectady County and Rotterdam Town property record for 1086 Deforest St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,355 sqft · built 1951 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $128,500 (Jul 2005) |
| Tax Bill | $5,016 (2026) |
| Deeds & Mortgages | Apr 2024 Mortgage Jun 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.10-10-14 |
| Primary APN | 422800 59.10-10-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 1,355 sqft Living Area |
| 1st Floor Area | 967 sqft |
| Upper Floors Area | 388 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 149 ft deep x 62 ft wide |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1086 DEFOREST ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-3938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 1A R,G,FP,DM, DEMARCO 3.-197-7 |
| Legal Block | 10 |
| Legal Lot Number | 14.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 32902 |
1086 Deforest St is owned and occupied by two individuals who bought it in July 2005.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1086 DEFOREST ST, SCHENECTADY, NY 12303-3938 |
| 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 |
|---|---|
| Apr 11, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 15, 2020 | Loan Modification, Mortgage · FHA Mortgage M&T BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2005 · Amount on File |
| Deed Sale | Jul 7, 2005 · Amount on File |
| Deed Book / Page | 1709 / 844 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1086 DEFOREST ST, SCHENECTADY, NY 12303-3938 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1086 DEFOREST AVE, SCHENECTADY, NY 12303-3938 |
| Document Number | 0000021136 |
|---|---|
| Date | Apr 11, 2024 |
| Book Page | 5367/361 |
| Instrument | 202421136 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 315 Months |
| Due | Jul 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1086 DEFOREST ST, SCHENECTADY, NY 12303-3938 |
| Document Number | 0000026579 |
| Instrument Date | Jun 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 1086 DEFOREST ST SCHENECTADY NY 123033938, SCHENECTADY, NY 12303-3938 |
| Document Number | 0000026579 |
|---|---|
| Date | Sep 8, 2020 |
| Book Page | 005018/000895 |
| Instrument | 26579 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BRONX, NY 10468 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 7, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
The 2026 property tax bill for 1086 Deforest St was $5,016 with a homeowner's exemption, up 1.6% 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 | $5,016.00 (+1.6%) Homeowner's exemption | ||
| 2025 | $4,937.00 | $135,000 Land $9,900 Building $125,100 | $207,700 Land $15,231 Building $192,469 |
| 2023 | $135,000 Land $9,900 Building $125,100 | $177,600 Land $13,024 Building $164,576 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1086 Deforest St 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 | 1 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 1086 Deforest St 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 99.1% of the US · lower than 99.2% 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 456 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| 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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