1305 Fourth St, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1305 Fourth St, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1951
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Aug 2019)
Tax Bill	$5,413 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.11-15-20`

Property Details

APN / Parcel Number

Primary APN	`422800 59.11-15-20`
Alternative APN	`280005901100150200000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Game Room	Game Room

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	140 sqft

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1305 4TH ST
City	SCHENECTADY
State	NY
Zip	12303-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Block	15
Legal Lot Number	20.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	4
Census Block	4006
Census Tract	32901

Owner

1305 Fourth St is owned and occupied by two individuals who bought it in August 2019.

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1305 4TH ST, SCHENECTADY, NY 12303-2414
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2019 · Amount on File
Deed Sale	Aug 15, 2019 · Amount on File
Deed Document Number	201936469
Deed Book / Page	2017 / 766
Record Updated	Oct 29, 2026

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 15, 2019
Property Address	1305 4TH ST, SCHENECTADY, NY 12303-2414
Document Number	0000036469
Book / Page	002017 / 000766
Instrument Date	Aug 1, 2019
Instrument	36469
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	SMPR TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9 SUMMIT AVE #2 TROY NY 121801450, 2, TROY, NY 12180-1450

Mortgage

Document Number	36472
Date	Aug 15, 2019
Book Page	004931/000399
Instrument	36472

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1305 Fourth St was $5,413, 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	$5,413.00 (+1.71%)
2025	$5,322.00	$145,000 Land $10,200 Building $134,800	$223,100 Land $15,694 Building $207,406
2023		$145,000 Land $10,200 Building $134,800	$190,800 Land $13,422 Building $177,378

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

Flood

FEMA maps place 1305 Fourth St 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

Wildfire risk around 1305 Fourth St 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 97% of the US · lower than 96% 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 362 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