Schenectady County and Rotterdam Town property record for 1845 Tower St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,746 sqft · built 1977 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Jan 2015) |
| Tax Bill | $7,283 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.9-9-12.21 |
| Primary APN | 422800 59.9-9-12.21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,746 sqft Living Area |
| 1st Floor Area | 1,356 sqft |
| Basement Area | 390 sqft |
| Finished Basement | 390 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 125 ft deep x 108 ft wide |
| Garage Type | Basement |
| Porch | Porch |
|---|---|
| Porch Area | 150 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1845 TOWER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-4006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,HBK,2FP,ENCPT HAM - 289,290 2.-173-16 |
| Legal Block | 9 |
| Legal Lot Number | 12.021 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 32902 |
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 | 1845 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 9, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Aug 8, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 14, 2015 · Amount on Record |
| Deed Sale | Jan 14, 2015 · Amount on Record |
| Deed Document Number | 20151935 |
| Deed Book / Page | 1908 / 160 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 9, 2026 |
| Property Address | 1845 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Document Number | 0000008146 |
| Instrument Date | Mar 4, 2026 |
| Instrument | 20268146 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1845 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Document Number | 0000008146, |
|---|---|
| Date | Apr 9, 2026 |
| Instrument | 20268146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Mar 1, 2066 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1845 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Document Number | 0000050196 |
| Instrument Date | Aug 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 1845 TOWER ST SCHENECTADY NY 123034006, SCHENECTADY, NY 12303-4006 |
| Document Number | 0000050196 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 004951/000228 |
| Instrument | 50196 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 3, 2044 |
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 | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,283.00 (+1.92%) Homeowner's exemption | ||
| 2025 | $7,146.00 | $195,000 (-) Land $14,000 Building $181,000 | $300,000 (+16.91%) Land $21,538 Building $278,462 |
| 2023 | $195,000 Land $14,000 Building $181,000 | $256,600 Land $18,423 Building $238,177 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% 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 407 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| 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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