Schenectady County and Rotterdam Town property record for 130 Putnam Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,060 sqft · built 1940 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,780 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.5-1-10 |
| Primary APN | 422800 48.5-1-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,060 sqft Living Area |
| 1st Floor Area | 808 sqft |
| Upper Floors Area | 252 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Bungalow |
| Exterior Material | Composition/Composite |
| Lot Area | 21,344 sqft (0.49 acres) |
| Lot Dimensions | 284 ft deep x 75 ft wide |
| Garage Type | Mixed |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 130 PUTNAM RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-7221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,ADD,G2-REAR 1.-35-5 |
| Legal Subdivision | 130 PUTNAM ROAD |
| Legal Block | 1 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 32602 |
Source: Schenectady County and Rotterdam Town records, as of July 13, 2026
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 | 130 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 5, 2026 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Mar 21, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Dec 15, 2020 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 130 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 130 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Document Number | 0000002582 |
|---|---|
| Date | Feb 5, 2026 |
| Instrument | 202602582 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jan 25, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 130 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 130 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Document Number | 0000014501 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 5211/539 |
| Instrument | 202214501 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 130 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 130 PUTNAM RD, ROTTERDAM, NY 12306-7221 |
| Document Number | 0000039941 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 5050/874 |
| Instrument | 202039941 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 25, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | Schalmont Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,780.00 | $123,000 (-) Land $14,700 Building $108,300 | $189,200 (+16.93%) Land $22,612 Building $166,588 |
| 2023 | $123,000 Land $14,700 Building $108,300 | $161,800 Land $19,337 Building $142,463 |
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 · 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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 5 (1980–2019) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Apr 2019 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 95% 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 128 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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