Schenectady County and Rotterdam Town property record for 1087 Laura St, Schenectady, NY 12306
| Details | 2 bd · 2 ba · 1,656 sqft · built 1940 |
|---|---|
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Apr 2026) |
| Tax Bill | $4,781 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.20-6-14 |
| Primary APN | 422800 48.20-6-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,656 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Upper Floors Area | 552 sqft |
| Game Room | Game Room |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 130 ft deep x 52 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 150 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1087 LAURA ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-4329 |
| Property Category | Other |
| Property Type | Unknown |
| Local Zoning Code | R-1 |
| Legal Description | R,G FAGAN #10 231,PT232 3.-279-7 |
| Legal Subdivision | FAGANS DIVISION 10 |
| Legal Block | 6 |
| Legal Lot Number | 14.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 33300 |
1087 Laura St is owned by an individual who bought it in April 2026.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1416 CHRISLER AVE, SCHENECTADY, NY 12303-1825 |
| 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 |
|---|---|
| Nov 3, 2025 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Apr 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage NUMARK CREDIT UNION |
| Feb 18, 2021 | Deed, Transfer · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 13, 2026 · Amount on File |
| Deed Sale | Apr 13, 2026 · Amount on File |
| Prior Sale | Oct 17, 2005 · Amount on File |
| Deed Document Number | 20268273 |
| Deed Book / Page | 2170 / 178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1087 LAURA ST, SCHENECTADY, NY 12306-4329 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000025993 |
|---|---|
| Date | Nov 3, 2025 |
| Instrument | 202525993 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 2, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 13, 2026 |
| Property Address | 1087 LAURA ST, SCHENECTADY, NY 12306-4329 |
| Document Number | 0000008273 |
| Book / Page | 2170 / 178 |
| Instrument Date | Mar 19, 2026 |
| Instrument | 2026.8273 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | SHERIDAN ABSTRACT CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $111,100.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000008274, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 2026.8274 |
| Name | NUMARK CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 18, 2021 |
| Property Address | 1087 LAURA ST, SCHENECTADY, NY 12306-4329 |
| Document Number | 0000006368 |
| Book / Page | 2052 / 382 |
| Map Reference | CAB D MAP 190 |
| Instrument Date | Feb 4, 2021 |
| Instrument | 202106368 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $638.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1764 NORFOLK AVE, SCHENECTADY, NY 12303-2131 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 125 HILLCREST VLG E APT B1, B1, SCHENECTADY, NY 12309-3811 |
| Document Number | 0000006369 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 5070/705 |
| Instrument | 202106369 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
The 2026 property tax bill for 1087 Laura St was $4,781, up 1.9% 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 | $4,781.00 (+1.92%) | ||
| 2025 | $4,691.00 | $128,000 Land $6,200 Building $121,800 | $196,900 Land $9,537 Building $187,363 |
| 2023 | $128,000 Land $6,200 Building $121,800 | $168,400 Land $8,157 Building $160,243 |
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.
FEMA maps place 1087 Laura St 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.
The area around 1087 Laura St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 701 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 |
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