1086 Inner Dr, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1086 Inner Dr, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,677 sqft · built 1950
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$95,000 (Jul 1996)
Tax Bill	$6,084 (2026)
Deeds & Mortgages	Nov 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.14-6-17`

Property Details

APN / Parcel Number

Primary APN	`422800 59.14-6-17`
Alternative APN	`280005901400060170000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,677 sqft Living Area
1st Floor Area	1,302 sqft
Upper Floors Area	375 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	144 ft deep x 70 ft wide

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Porch	Slab
Porch Area	50 sqft
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1086 INNER DR
City	SCHENECTADY
State	NY
Zip	12303-4223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,BZY,SP,FMRM COLDBROOK - 465 5.-376-23
Legal Block	6
Legal Lot Number	17.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	3
Census Block	3007
Census Tract	32902

Owner

1086 Inner Dr is owned and occupied by two individuals who bought it in July 1996.

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1086 INNER DR, SCHENECTADY, NY 12303-4223
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 1996 · Amount on File
Deed Sale	Jul 3, 1996 · Amount on File
Deed Book / Page	1501 / 49
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1086 INNER DR, SCHENECTADY, NY 12303-4223
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1086 INNER DR, SCHENECTADY, NY 12303-4223

Mortgage

Document Number	0000054934
Date	Nov 3, 2021
Book Page	5164/11
Instrument	202154934

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union
Address	SCHENECTADY, NY 12303

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 1, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 1086 Inner Dr was $6,084 with a homeowner's exemption, up 1.7% from the year before.

Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,084.00 (+1.71%) Homeowner's exemption
2025	$5,982.00	$163,000 Land $11,700 Building $151,300	$250,800 Land $18,002 Building $232,798
2023		$163,000 Land $11,700 Building $151,300	$214,500 Land $15,397 Building $199,103

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1086 Inner Dr 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

Wildfire risk around 1086 Inner Dr 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 98% of the US · lower than 97.9% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 518 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