1118 Inner Dr, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1118 Inner Dr, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,365 sqft · built 1950
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Tax Bill	$5,301 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.14-11-6`

Property Details

APN / Parcel Number

Primary APN	`422800 59.14-11-6`
Alternative APN	`280005901400110060000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,365 sqft Living Area
1st Floor Area	990 sqft
Upper Floors Area	375 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	197 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	300 sqft
Shed	1 Shed
Shed Area	150 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1118 INNER DR
City	SCHENECTADY
State	NY
Zip	12303-4211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G2,2DM,D COLDBROOK-474 5.-377-7
Legal Subdivision	COLD BROOK
Legal Block	11
Legal Lot Number	6.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	3
Census Block	3006
Census Tract	32902

Owner

1118 Inner Dr is owned and occupied by an individual.

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	Individual Name on File
Mailing Address	1118 INNER DR, SCHENECTADY, NY 12303-4211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 3, 2023
Property Address	1118 INNER DR, SCHENECTADY, NY 12303-4211
Document Number	0000062333
Book / Page	2119 / 35
Map Reference	CAB F MAP 24
Instrument Date	Oct 13, 2023
Instrument	202362333
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	CATIC TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1305 PAUL AVE, SCHENECTADY, NY 12306-2809

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 DALY DR, SCHENECTADY, NY 12302-7514

Mortgage

Document Number	0000062334
Date	Nov 3, 2023
Instrument	202362334

Lender

Name	BROADVIEW FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Nov 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Max Rate	11.1%

Tax Assessment & Valuation

The 2026 property tax bill for 1118 Inner Dr was $5,301, up 1.7% 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	$5,301.00 (+1.73%)
2025	$5,211.00	$142,000 Land $17,100 Building $124,900	$218,500 Land $26,312 Building $192,188
2023		$142,000 Land $17,100 Building $124,900	$186,800 Land $22,495 Building $164,305

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

Flood

FEMA maps place 1118 Inner Dr 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	1 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

Wildfire risk around 1118 Inner Dr is low, with less than 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 98% of the US · lower than 97.9% 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.

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 518 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