Schenectady County and Rotterdam Town property record for 148 Sylvia Ln, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,588 sqft · built 1980 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $237,334 (Jul 2026) |
| Tax Bill | $7,185 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jul 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 38.17-3-68 |
| Primary APN | 422800 38.17-3-68 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,588 sqft Living Area |
| 1st Floor Area | 1,198 sqft |
| Basement Area | 390 sqft |
| Finished Basement | 390 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 155 ft deep x 80 ft wide |
| Garage Type | Basement |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 148 SYLVIA LN |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-9734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,BF,TLSH GINGERCRIS EST #2 - 29 FROM 38.17-03-48.1 |
| Legal Block | 3 |
| Legal Lot Number | 68.000 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 148 SYLVIA LN, SCHENECTADY, NY 12306-9734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Jul 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Oct 23, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2026 · Amount on Record |
| Deed Sale | Jul 6, 2026 · Amount on Record |
| Deed Document Number | 202615242 |
| Deed Book / Page | 2175 / 209 |
| Prior Transfer Date | Oct 18, 2018 |
| Prior Transfer Doc | 0000046978 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 26, 2026 |
| Property Address | 148 SYLVIA LN, SCHENECTADY, NY 12306-9734 |
| Document Number | 0000014531 |
| Instrument Date | May 13, 2026 |
| Instrument | 202614531 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 148 SYLVIA LN, SCHENECTADY, NY 12306-9734 |
| Document Number | 0000014531, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 202614531 |
| Name | TRUSTCO BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 13, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 6, 2026 |
| Property Address | 148 SYLVIA LN, SCHENECTADY, NY 12306-9734 |
| Document Number | 0000015242 |
| Book / Page | 2175 / 209 |
| Instrument Date | May 13, 2026 |
| Instrument | 202615242 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $95,883.34 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 148 SYLVIA LN, SCHENECTADY, NY 12306-9734 |
| Document Number | 0000015241, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 202615241 |
| Name | TRUSTCO BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 13, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 23, 2018 |
| Property Address | 148 SYLVIA LN, SCHENECTADY, NY 12306-9734 |
| Document Number | 0000046978 |
| Book / Page | 001998 / 000431 |
| Instrument Date | Oct 18, 2018 |
| Instrument | 46978 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 148 SYLVIA LN SCHENECTADY NY 123069734, SCHENECTADY, NY 12306-9734 |
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 | $7,185.00 (+5.26%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $6,826.00 | $215,000 (-) Land $18,000 Building $197,000 | $330,800 (+16.93%) Land $27,695 Building $303,105 |
| 2023 | $215,000 Land $18,000 Building $197,000 | $282,900 Land $23,685 Building $259,215 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures