149 Putnam Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 149 Putnam Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,235 sqft · built 1969
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$297,400 (May 2026)
Tax Bill	$6,341 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 48.5-2-14`

Property Details

APN / Parcel Number

Primary APN	`422800 48.5-2-14`
Alternative APN	`280004800500020140000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,235 sqft Living Area
1st Floor Area	1,235 sqft
Upper Floors Area	360 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	129 ft deep x 117 ft wide
Garage Type	Mixed
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	150 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	149 PUTNAM RD
City	SCHENECTADY
State	NY
Zip	12306-7222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,SF,DM,ROG,ENCPT,TLSH COBBLESTONE EST - 18 7.-546-18
Legal Subdivision	COBLESTONE ESTATES
Legal Block	2
Legal Lot Number	14.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	3
Census Block	3023
Census Tract	32602

Owner

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	400 MCCHESNEY RD, TROY, NY 12180
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Jul 8, 2011 · Amount on Record
Deed Document Number	202611592
Deed Book / Page	2172 / 474
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 18, 2026
Property Address	149 PUTNAM RD, SCHENECTADY, NY 12306-7222
Document Number	0000011592
Book / Page	2172 / 474
Instrument Date	May 15, 2026
Instrument	2026.11592
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	AMP ABSTRACT AND TITLE SERVICES, PAC ABSTRACT AND TITLE SERVICE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120,149.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000011593,
Date	May 18, 2026
Instrument	2026..11593

Lender

Name	TRUSTCO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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	Schalmont Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,341.00 (-7.44%) Homeowner's exemption
2025	$6,851.00	$164,700 (-) Land $10,500 Building $154,200	$253,400 (+16.94%) Land $16,155 Building $237,245
2023		$164,700 Land $10,500 Building $154,200	$216,700 Land $13,815 Building $202,885

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

Flood

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.

Wildfire

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.

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 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