1786 Fred Rd, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 1786 Fred Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,032 sqft · built 1951
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Jun 2017)
Tax Bill	$4,955 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`422800 59.20-7-13`

Property Details

APN / Parcel Number

Primary APN	`422800 59.20-7-13`
Alternative APN	`280005902000070130000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	140 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1786 FRED RD
City	SCHENECTADY
State	NY
Zip	12303-2622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,BF,OG,SHD FREDS COMM-51 4.-289-3
Legal Block	7
Legal Lot Number	13.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	2
Census Block	2012
Census Tract	32901

Owner

Source: Schenectady County and Rotterdam Town records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1786 FRED RD, SCHENECTADY, NY 12303-2622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed of Trust, Mortgage · Line of Credit PIONEER BANK
Jun 7, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2017 · Amount on Record
Deed Sale	Jun 7, 2017 · Amount on Record
Deed Document Number	201725197
Deed Book / Page	1964 / 355
Prior Transfer Date	Jan 30, 2011
Prior Transfer Doc	0000006469
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1786 FRED RD, SCHENECTADY, NY 12303-2622
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1786 FRED RD, SCHENECTADY, NY 12303-2622

Mortgage

Document Number	0000029624
Date	Dec 18, 2025
Instrument	202529624

Lender

Name	PIONEER BANK
Type	Bank
Address	ALBANY, NY 12211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 20, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 7, 2017
Property Address	1786 FRED RD, SCHENECTADY, NY 12303-2622
Document Number	0000025197
Book / Page	1964 / 355
Instrument Date	Jun 2, 2017
Instrument	201725197
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1786 FRED RD, 1786, SCHENECTADY, NY 12303-2622

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SCOTCH BUSH RD, BURNT HILLS, NY 12027-9791

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
2025	$4,955.00	$135,000 (-) Land $9,500 Building $125,500	$207,700 (+16.95%) Land $14,616 Building $193,084
2023		$135,000 Land $9,500 Building $125,500	$177,600 Land $12,498 Building $165,102

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	Low lower than 96% of the US · lower than 95% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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