Schenectady County and Rotterdam Town property record for 138 Putnam Rd, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1945 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,426 (Oct 2010) |
| Tax Bill | $5,810 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.5-1-7 |
| Primary APN | 422800 48.5-1-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Upper Floors Area | 288 sqft |
| Game Room | Game Room |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 300 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 138 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,SHD,ENCPR 1.-35-8 |
| Legal Block | 1 |
| Legal Lot Number | 7.000 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 138 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 18, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 3, 2019 | Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS ADVANTAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2010 · Amount on Record |
| Deed Sale | Oct 21, 2010 · Amount on Record |
| Prior Sale | Oct 21, 2010 · Amount on Record |
| Deed Book / Page | 1829 / 31 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 138 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Title Company | OLD REPUBLIC NATIONAL INSURANCE COMPANY, OLD REPUBLIC NATIONAL INS CO |
| Name | Verified Name |
|---|---|
| Address | 138 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Document Number | 0000029594 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 202529594 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Nov 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 138 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 138 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Document Number | 0000029595 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 202529595 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Nov 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 3, 2019 |
| Property Address | 138 PUTNAM RD, SCHENECTADY, NY 12306-7221 |
| Document Number | 0000053815 |
| Book / Page | 002025 / 000742 |
| Instrument Date | Nov 19, 2019 |
| Instrument | 53815 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $616.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1676 WESTERN AVE ALBANY NY 122034231, ALBANY, NY 12203-4231 |
| Document Number | 53816 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 004957/000206 |
| Instrument | 53816 |
| Name | HOMEOWNERS ADVANTAGE |
|---|---|
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 2, 2049 |
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 | $5,810.00 (-7.44%) | ||
| 2025 | $6,277.00 | $150,900 (-) Land $6,900 Building $144,000 | $232,200 (+10.78%) Land $10,617 Building $221,583 |
| 2024 | $150,900 (-) Land $6,900 Building $144,000 | $209,600 (+5.54%) Land $9,584 Building $200,016 | |
| 2023 | $150,900 Land $6,900 Building $144,000 | $198,600 Land $9,081 Building $189,519 |
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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