Schenectady County and Rotterdam Town property record for 131 Sylvia Ln, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 1980 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (Oct 2001) |
| Tax Bill | $6,738 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 38.17-3-54 |
| Primary APN | 422800 38.17-3-54 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 28,314 sqft (0.65 acres) |
| Lot Dimensions | 298 ft deep x 95 ft wide |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 50 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 131 SYLVIA LN |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-9735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,BF GINGERCHRIS EST #2 - 43 FROM 38.17-03-48.1 |
| Legal Block | 3 |
| Legal Lot Number | 54.000 |
| 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 September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 131 SYLVIA LN, SCHENECTADY, NY 12306-9735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Nov 7, 2022 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2001 · Amount on Record |
| Deed Sale | Oct 15, 2001 · Amount on Record |
| Prior Sale | Apr 23, 1998 · Amount on Record |
| Deed Book / Page | 1610 / 569 |
| Prior Transfer Date | Apr 20, 1998 |
| Prior Transfer Doc | 1535000280 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 21, 2026 |
| Property Address | 131 SYLVIA LN, SCHENECTADY, NY 12306-9735 |
| Document Number | 0000016378 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 202616378 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 131 SYLVIA LN, SCHENECTADY, NY 12306-9735 |
| Document Number | 0000016378, |
|---|---|
| Date | Jul 21, 2026 |
| Instrument | 202616378 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 131 SYLVIA LN, SCHENECTADY, NY 12306-9735 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 131 SYLVIA LN, SCHENECTADY, NY 12306-9735 |
| Document Number | 0000058548 |
|---|---|
| Date | Nov 7, 2022 |
| Book Page | 5268/745 |
| Instrument | 202258548 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 6, 2037 |
| 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 |
|---|---|---|---|
| 2026 | $6,738.00 (-7.43%) Homeowner's exemption | ||
| 2025 | $7,279.00 | $175,000 (-) Land $43,800 Building $131,200 | $269,200 (+16.89%) Land $67,377 Building $201,823 |
| 2023 | $175,000 Land $43,800 Building $131,200 | $230,300 Land $57,641 Building $172,659 |
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 94% of the US · lower than 93% 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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