Schenectady County and Rotterdam Town property record for 1104 Owen Rd, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,170 sqft · built 1946 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $255,000 (Dec 2025) |
| Tax Bill | $5,628 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 71.6-2-1 |
| Primary APN | 422800 71.6-2-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,170 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Upper Floors Area | 390 sqft |
| Game Room | Game Room |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 162 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 150 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1104 OWEN RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-4518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,ENPT DELAVIC #3-41 3.-206-20 |
| Legal Subdivision | DELAVIC PLOT #3 |
| Legal Block | 2 |
| Legal Lot Number | 1.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 33003 |
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1162 SUNRISE BLVD, SCHENECTADY, NY 12306-2927 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 18, 2025 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Dec 1, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Feb 3, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2025 · Amount on Record |
| Deed Sale | Dec 18, 2025 · Amount on Record |
| Prior Sale | Mar 11, 2010 · Amount on Record |
| Deed Document Number | 202529667 |
| Deed Book / Page | 2162 / 753 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1104 OWEN RD, SCHENECTADY, NY 12303-4518 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY CO UPST |
| Name | Verified Name |
|---|---|
| Address | 1162 SUNRISE BLVD, SCHENECTADY, NY 12306-2927 |
| Document Number | 0000029668 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 202529668 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 2, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 1, 2020 |
| Property Address | 1104 OWEN RD, SCHENECTADY, NY 12303-4518 |
| Document Number | 0000037686 |
| Book / Page | 002046 / 000859 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 37686 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $680.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 919 LONDONDERRY CT SCHENECTADY NY 123096417, SCHENECTADY, NY 12309-6417 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1104 OWEN RD, SCHENECTADY, NY 12303-4518 |
| Document Number | 0000007997 |
| Book / Page | 004743 / 000694 |
| Instrument Date | Feb 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2017 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 1104 OWEN RD SCHENECTADY NY 123034518, SCHENECTADY, NY 12303-4518 |
| Document Number | 0000007997 |
|---|---|
| Date | Feb 22, 2017 |
| Book Page | 004743/000694 |
| Instrument | 7997 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 21, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,628.00 (+2.01%) | ||
| 2025 | $5,517.00 | $150,000 (-) Land $10,800 Building $139,200 | $230,800 (+16.92%) Land $16,618 Building $214,182 |
| 2023 | $150,000 (-) Land $10,800 Building $139,200 | $197,400 (+9.24%) Land $14,213 Building $183,187 | |
| 2022 | $150,000 Land $10,800 Building $139,200 | $180,700 Land $13,010 Building $167,690 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 94% 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 259 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures