120 Paddock Cir, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 120 Paddock Cir, Schenectady, NY 12306

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,826 sqft · built 2014
Lot Size	0.039 acres (1,742 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`422800 70.-3-70`

Property Details

APN / Parcel Number

Primary APN	`422800 70.-3-70`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,826 sqft Living Area
1st Floor Area	1,826 sqft
Upper Floors Area	461 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	1,742 sqft (0.039 acres)
Garage Type	Attached
Garage Area	368 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	166 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	120 PADDOCK CIR
City	SCHENECTADY
State	NY
Zip	12306-2561
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PRD
Legal Description	LOT:70.000 BLK:3 SEC:70.00 DIST:422800 CITY/MUNI/TWP:ROTTERDAM
Legal Subdivision	HELDERBERG MDWS CONDOS PH 2
Legal Block	3
Legal Lot Number	70.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1034
Census Tract	33002

Owner

Source: Schenectady County and Rotterdam Town records, as of February 19, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	120 PADDOCK CIR, SCHENECTADY, NY 12306-2561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS ADVANTAGE
Jun 30, 2020	Loan Modification, Mortgage · Conventional Mortgage HOMEOWNERS ADVANTAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 7, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	120 PADDOCK CIR, SCHENECTADY, NY 12306-2561
Document Number	0000021533
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 PADDOCK CIR SCHENECTADY NY 123062561, SCHENECTADY, NY 12306-2561

Mortgage

Document Number	0000021533
Date	Jul 28, 2020
Book Page	005007/000045
Instrument	21533

Lender

Name	HOMEOWNERS ADVANTAGE
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 27, 2040

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	120 PADDOCK CIR, SCHENECTADY, NY 12306-2561
Document Number	0000021536
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 PADDOCK CIR SCHENECTADY NY 123062561, SCHENECTADY, NY 12306-2561

Mortgage

Document Number	0000021536
Date	Jul 28, 2020
Book Page	005007/000065
Instrument	21536

Lender

Name	HOMEOWNERS ADVANTAGE
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 27, 2040

Interest

Rate Type	Fixed Rate
Rate	3.12%

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town assessment roll, as of May 31, 2023

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Schalmont Central School District (KG - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$217,300 Land $5,000 Building $212,300	$285,900 Land $6,578 Building $279,322

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

Flood

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	4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: Verizon.

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