Schenectady County and Schenectady City property record for 1108 Ardsley Rd, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,538 sqft · built 1910 |
| Lot Size | 0.134 acres (5,850 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $195,000 (Mar 2020) |
| Tax Bill | $7,231 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.77-1-47 |
| Primary APN | 421500 40.77-1-47 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,538 sqft Living Area |
| 1st Floor Area | 1,318 sqft |
| 2nd Floor Area | 1,062 sqft |
| Upper Floors Area | 158 sqft |
| Attic | Attic |
| Attic Area | 158 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 5,850 sqft (0.134 acres) |
| Lot Dimensions | 90 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 350 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1108 ARDSLEY RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-2607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 47.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 20500 |
Source: Schenectady County and Schenectady City 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1108 ARDSLEY RD, SCHENECTADY, NY 12308-2607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 30, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 17, 2020 | Deed, Transfer · FHA Mortgage SUNMARK FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 17, 2020 · Amount on Record |
| Deed Sale | Mar 17, 2020 · Amount on Record |
| Prior Sale | Jul 29, 2010 · Amount on Record |
| Deed Document Number | 202010715 |
| Deed Book / Page | 2032 / 678 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1108 ARDSLEY RD, SCHENECTADY, NY 12308-2607 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 1108 ARDSLEY RD, SCHENECTADY, NY 12308-2607 |
| Document Number | 0000030351 |
|---|---|
| Date | Dec 30, 2025 |
| Instrument | 202530351 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year T-Bill |
| Max Rate | 5.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1108 ARDSLEY RD, SCHENECTADY, NY 12308-2607 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 1108 ARDSLEY RD, SCHENECTADY, NY 12308-2607 |
| Document Number | 0000030352 |
|---|---|
| Date | Dec 30, 2025 |
| Instrument | 202530352 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 17, 2020 |
| Property Address | 1108 ARDSLEY RD, SCHENECTADY, NY 12308-2607 |
| Document Number | 0000010715 |
| Book / Page | 2032 / 678 |
| Instrument Date | Mar 13, 2020 |
| Instrument | 202010715 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $780.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1108 ARDSLEY RD, 1108, SCHENECTADY, NY 12308-2607 |
| Name | Verified Name |
|---|---|
| Address | 6 BEEKMAN ST, ALBANY, NY 12209-1910 |
| Document Number | 0000010717 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 4979/202 |
| Instrument | 202010717 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,231.00 (+1.77%) | ||
| 2025 | $7,105.00 (+4.69%) | $139,900 (-) Land $21,000 Building $118,900 | $231,661 (+30.82%) Land $34,774 Building $196,887 |
| 2023 | $139,900 (-) Land $21,000 Building $118,900 | $177,089 (+3.8%) Land $26,582 Building $150,507 | |
| 2022 | $139,900 Land $21,000 Building $118,900 | $170,610 Land $25,610 Building $145,000 | |
| 2021 | $6,787.00 |
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 | 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 | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) 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 746 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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