1096 Laura St, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 1096 Laura St, Schenectady, NY 12306

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,045 sqft · built 1935
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Oct 2024)
Tax Bill	$6,910 (2026)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 58.8-4-6`

Property Details

APN / Parcel Number

Primary APN	`422800 58.8-4-6`
Alternative APN	`280005800800040060000000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,045 sqft Total Area
1st Floor Area	1,132 sqft
Upper Floors Area	913 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	95 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	375 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	486 sqft
Patio Area	464 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1096 LAURA ST
City	SCHENECTADY
State	NY
Zip	12306-4324
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-1
Legal Description	R,2DM,APT,SP,G,OG FAGAN #10-PT277-278 3.-280-16
Legal Block	4
Legal Lot Number	6.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	2
Census Block	2013
Census Tract	33300

Owner

1096 Laura St, a duplex, is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	435 NEW KARNER RD, B202, ALBANY, NY 12205-3880
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	Name on Deed
Last Sale	Oct 1, 2024 · Amount on File
Deed Sale	Oct 1, 2024 · Amount on File
Prior Sale	Dec 2, 2014 · Amount on File
Deed Document Number	202458086
Deed Book / Page	2138 / 758
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1096 LAURA ST, SCHENECTADY, NY 12306-4324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1096 LAURA ST, SCHENECTADY, NY 12306-4324

Mortgage

Document Number	0000027235
Date	Sep 11, 2020
Book Page	5019/989
Instrument	202027235

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	286 Months
Due	Jul 30, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 1096 Laura St was $6,910 with a homeowner's exemption, up 1.9% 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	$6,910.00 (+1.93%) Homeowner's exemption
2025	$6,779.00	$185,000 Land $6,200 Building $178,800	$284,600 Land $9,538 Building $275,062
2023		$185,000 Land $6,200 Building $178,800	$243,400 Land $8,157 Building $235,243

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

Flood

FEMA maps place 1096 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.

Wildfire

The area around 1096 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.

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 532 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