178 Caldicott Rd, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 178 Caldicott Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,176 sqft · built 1937
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$149,000 (Jul 2018)
Tax Bill	$4,878 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.7-6-40`

Property Details

APN / Parcel Number

Primary APN	`422800 59.7-6-40`
Alternative APN	`280005900700060400000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,176 sqft Living Area
1st Floor Area	552 sqft
2nd Floor Area	464 sqft
Upper Floors Area	468 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1985
Architectural Style	Contemporary
Exterior Material	Brick
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

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

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	178 CALDICOTT RD
City	SCHENECTADY
State	NY
Zip	12303-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,BK,FP WOODLANDS #1-21 4.-338-9
Legal Block	6
Legal Lot Number	40.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1014
Census Tract	32902

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	24 TAMARACK TRL, SARATOGA SPRINGS, NY 12866-8903
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CCFCU FUNDING LLC
Dec 3, 2020	Loan Modification, Mortgage HOMEOWNERS ADVANTAGE
Jul 2, 2018	Warranty Deed, Transfer · ARM CAPITAL COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2018 · Amount on Record
Deed Sale	Jul 2, 2018 · Amount on Record
Prior Sale	Jan 12, 2016 · Amount on Record
Deed Document Number	201828904
Deed Book / Page	1990 / 482
Last Transfer Date	Aug 23, 2023
Transfer Doc	0000052091
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	178 CALDICOTT RD, SCHENECTADY, NY 12303-2314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 CALDICOTT RD, SCHENECTADY, NY 12303-2314

Mortgage

Document Number	0000000893
Date	Jan 8, 2021
Book Page	5057/819
Instrument	202100893

Lender

Name	CCFCU FUNDING LLC
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	178 CALDICOTT RD, SCHENECTADY, NY 12303-2314
Document Number	0000000894
Instrument Date	Dec 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 22, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 CALDICOTT RD SCHENECTADY NY 123032314, SCHENECTADY, NY 12303-2314

Mortgage

Document Number	0000000894
Date	Jan 8, 2021
Book Page	005057/000833
Instrument	894

Lender

Name	HOMEOWNERS ADVANTAGE
Address	ALBANY, NY 12205

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 2, 2018
Property Address	178 CALDICOTT RD, SCHENECTADY, NY 12303-2314
Document Number	0000028904
Book / Page	1990 / 482
Instrument Date	Jun 22, 2018
Instrument	201828904
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$596.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	178 CALDICOTT RD, 178, SCHENECTADY, NY 12303-2314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 TRYON AVE, GLENVILLE, NY 12302-3623

Mortgage

Document Number	0000028905
Date	Jul 2, 2018
Book Page	4847/367
Instrument	201828905

Lender

Name	CAPITAL COMMUNITY CU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.25%
Index	1-Year CMT
Margin	3
Max Rate	10.2%

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	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,878.00 (+2.03%)
2025	$4,781.00	$130,000 (-) Land $7,700 Building $122,300	$200,000 (+16.89%) Land $11,846 Building $188,154
2023		$130,000 Land $7,700 Building $122,300	$171,100 Land $10,134 Building $160,966

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 369 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

May also be available: Greenlight Networks.

Nearby Properties on Caldicott Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures