Schenectady County and Rotterdam Town property record for 1144 Owen Rd, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 780 sqft · built 1950 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Feb 2023) |
| Tax Bill | $3,940 (2026) |
| Deeds & Mortgages | Feb 2024 Mortgage Feb 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 71.6-2-11 |
| Primary APN | 422800 71.6-2-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 780 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Game Room | Game Room |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1990 |
| 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 | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1144 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 DELAVIC #3-51 3.-207-5 |
| Legal Block | 2 |
| Legal Lot Number | 11.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 33003 |
1144 Owen Rd is owned and occupied by two individuals who bought it in February 2023.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1144 OWEN RD, SCHENECTADY, NY 12303-4518 |
| 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.
| Date | Document |
|---|---|
| Feb 14, 2024 | Deed of Trust, Mortgage · Conventional Mortgage BALLSTON SPA NATIONAL BANK |
| Feb 13, 2023 | Executor's Deed, Transfer MARATHON TITLE AGENCY INC, MARATHON TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2023 · Amount on File |
| Deed Sale | Feb 13, 2023 · Amount on File |
| Prior Sale | Dec 3, 1998 · Amount on File |
| Deed Document Number | 20238406 |
| Deed Book / Page | 2102 / 791 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1144 OWEN RD, SCHENECTADY, NY 12303-4518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1144 OWEN RD, SCHENECTADY, NY 12303-4518 |
| Document Number | 0000009454 |
|---|---|
| Date | Feb 14, 2024 |
| Book Page | 5358/936 |
| Instrument | 202409454 |
| Name | BALLSTON SPA NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | BALLSTON SPA, NY 12020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Mar 1, 2034 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 11.1% |
| Index | 1-Year T-Bill |
| Margin | 2 |
| Max Rate | 11.1% |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 13, 2023 |
| Property Address | 1144 OWEN RD, SCHENECTADY, NY 12303-4518 |
| Document Number | 0000008406 |
| Book / Page | 2102 / 791 |
| Instrument Date | Feb 1, 2023 |
| Instrument | 202308406 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | MARATHON TITLE AGENCY INC, MARATHON TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $580.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 711 HAMPSHIRE SEAT, SCHENECTADY, NY 12309-2929 |
| Name | Verified Name |
|---|---|
| Address | 208 PLACID DR, SCHENECTADY, NY 12303-5100 |
The 2026 property tax bill for 1144 Owen Rd was $3,940, up 2% from the year before.
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 | $3,940.00 (+2.02%) | ||
| 2025 | $3,862.00 | $105,000 Land $9,900 Building $95,100 | $161,500 Land $15,227 Building $146,273 |
| 2023 | $105,000 Land $9,900 Building $95,100 | $138,200 Land $13,030 Building $125,170 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1144 Owen Rd 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 risk around 1144 Owen Rd 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 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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