Schenectady County and Rotterdam Town property record for 1124 Owen Rd, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,430 sqft · built 1955 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $103,000 (Dec 2001) |
| Tax Bill | $6,078 (2026) |
| Deeds & Mortgages | Nov 2017 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 71.6-2-6 |
| Primary APN | 422800 71.6-2-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,430 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Upper Floors Area | 350 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 150 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Slab |
| Porch Area | 300 sqft |
| Shed | 1 Shed |
| Shed Area | 40 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1124 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,SHDM,SP DELAVIC #3-46 3.-206-25 |
| Legal Block | 2 |
| Legal Lot Number | 6.000 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1124 OWEN RD, SCHENECTADY, NY 12303-4518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2017 | Deed of Trust, Mortgage TRUSTCO BANK |
| Jun 25, 2020 | Deed of Trust, Mortgage TRUSTCO BANK |
| Jun 10, 2020 | Loan Modification, Mortgage · Conventional Mortgage TRUSTCO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2001 · Amount on Record |
| Deed Sale | Dec 10, 2001 · Amount on Record |
| Deed Book / Page | 1614 / 7 |
| Last Transfer Date | Feb 23, 2006 |
| Transfer Doc | 1728000248 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1124 OWEN RD, SCHENECTADY, NY 12303-4518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000053858 |
|---|---|
| Date | Nov 29, 2017 |
| Book Page | 4803/919 |
| Instrument | 201753858 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1124 OWEN RD, SCHENECTADY, NY 12303-4518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018305 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 4999/160 |
| Instrument | 202018305 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount Recorded |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1124 OWEN RD, SCHENECTADY, NY 12303-4518 |
| Document Number | 0000018306 |
| Instrument Date | Jun 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1124 OWEN RD SCHENECTADY NY 123034518, SCHENECTADY, NY 12303-4518 |
| Document Number | 0000018306 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 004999/000166 |
| Instrument | 18306 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $6,078.00 (+2.01%) Homeowner's exemption | ||
| 2025 | $5,958.00 | $162,000 (-) Land $9,900 Building $152,100 | $249,200 (+16.89%) Land $15,229 Building $233,971 |
| 2023 | $162,000 Land $9,900 Building $152,100 | $213,200 Land $13,029 Building $200,171 |
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 |
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