Schenectady County and Rotterdam Town property record for 1848 Tower St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,225 sqft · built 1930 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $184,500 (Oct 2021) |
| Tax Bill | $4,844 (2026) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.9-9-21 |
| Primary APN | 422800 59.9-9-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,225 sqft Living Area |
| 1st Floor Area | 700 sqft |
| Upper Floors Area | 525 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 135 ft deep x 72 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 300 sqft |
| Shed | 1 Shed |
| Shed Area | 40 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1848 TOWER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-4007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R(R) HAM - 235,236 PTS183,184 2.-172-13 |
| Legal Subdivision | LOTS BELONGING TO MARTIN HAM |
| Legal Block | 9 |
| Legal Lot Number | 21.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 4 |
| Census Block | 4005 |
| 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 | 1848 TOWER ST, SCHENECTADY, NY 12303-4007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Oct 5, 2018 | Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2021 · Amount on Record |
| Deed Sale | Oct 6, 2021 · Amount on Record |
| Prior Sale | Oct 5, 2018 · Amount on Record |
| Deed Document Number | 202149738 |
| Deed Book / Page | 2068 / 676 |
| Prior Transfer Date | May 10, 1997 |
| Prior Transfer Doc | 1518000225 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 6, 2021 |
| Property Address | 1848 TOWER ST, SCHENECTADY, NY 12303-4007 |
| Document Number | 0000049738 |
| Book / Page | 2068 / 676 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 202149738 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $738.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1848 TOWER ST, SCHENECTADY, NY 12303-4007 |
| Name | Verified Name |
|---|---|
| Address | 797 STATE ROUTE 143, RAVENA, NY 12143-2513 |
| Document Number | 0000049741 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 202149741 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 5, 2018 |
| Property Address | 1848 TOWER ST, SCHENECTADY, NY 12303-4007 |
| Document Number | 0000044299 |
| Book / Page | 1997 / 348 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 201844299 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | RAVIN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $574.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2076 ROSEDALE WAY, 2076, SCHENECTADY, NY 12303-4836 |
| Name | Verified Name |
|---|---|
| Address | 821 KINGS RD # 2, 2, SCHENECTADY, NY 12303-2627 |
| Document Number | 0000044300 |
|---|---|
| Date | Oct 5, 2018 |
| Instrument | 201844300 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
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 | $4,844.00 (+1.91%) | ||
| 2025 | $4,753.00 | $129,700 (-) Land $9,900 Building $119,800 | $199,500 (+16.87%) Land $15,228 Building $184,272 |
| 2023 | $129,700 Land $9,900 Building $119,800 | $170,700 Land $13,030 Building $157,670 |
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 | 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.
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 456 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 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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