Schenectady County and Rotterdam Town property record for 109 Sterling Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,528 sqft · built 1986 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,093 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 58.18-2-28 |
| Primary APN | 422800 58.18-2-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 528 sqft |
| Finished Basement | 528 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 171 ft deep x 82 ft wide |
| Garage Type | Basement |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Slab |
| Porch Area | 300 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 109 STERLING RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-9406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | R,G2,BF,TLSH,SP WESTCOTT EST #4-44 58.18-02-10 |
| Legal Block | 2 |
| Legal Lot Number | 28.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 33002 |
109 Sterling Rd is owned and occupied by two individuals who acquired it in September 2016.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 STERLING RD, SCHENECTADY, NY 12306-9406 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 27, 2016 |
| Transfer Doc | 0000045053 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 109 Sterling Rd was $8,093 with exemptions applied, down 7.4% 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 | $8,093.00 (-7.39%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $8,739.00 | $228,000 Land $24,000 Building $204,000 | $350,800 Land $36,926 Building $313,874 |
| 2023 | $228,000 Land $24,000 Building $204,000 | $300,000 Land $31,579 Building $268,421 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Sterling Rd 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 | 4 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 109 Sterling Rd is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 164 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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