Schenectady County and Rotterdam Town property record for 1849 Tower St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,404 sqft · built 1938 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $15,000 (Oct 2019) |
| Tax Bill | $4,855 (2026) |
| Deeds & Mortgages | Sep 2026 Sale Sep 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.9-9-14 |
| Primary APN | 422800 59.9-9-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 1,404 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 125 ft deep x 54 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1849 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,FMRM HAM-293,PT292 2.-173-19 |
| Legal Block | 9 |
| Legal Lot Number | 14.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 32902 |
1849 Tower St is owned and occupied by an individual who acquired it in September 2026.
Source: Schenectady County and Rotterdam Town records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1849 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 14, 2026 | Warranty Deed, Transfer DEANGELUS GROUP PLLC |
| Sep 4, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Nov 3, 2021 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| Oct 21, 2019 | Warranty Deed, Transfer · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2019 · Amount on File |
| Deed Sale | Oct 21, 2019 · Amount on File |
| Prior Sale | Jun 2, 2005 · Amount on File |
| Deed Document Number | 201947446 |
| Deed Book / Page | 2022 / 432 |
| Last Transfer Date | Sep 10, 2026 |
| Transfer Doc | 0000020302 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 14, 2026 |
| Property Address | 1849 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Document Number | 0000020302 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 202620302 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2026 |
| Title Company | DEANGELUS GROUP PLLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1849 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 4, 2026 |
| Property Address | 1849 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Document Number | 0000019818 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202619818 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1849 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Document Number | 0000019818, |
|---|---|
| Date | Sep 4, 2026 |
| Instrument | 202619818 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1849 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1849 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Document Number | 0000054939 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | 5164/80 |
| Instrument | 202154939 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Oct 25, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 21, 2019 |
| Property Address | 1849 TOWER ST, SCHENECTADY, NY 12303-4006 |
| Document Number | 0000047446 |
| Book / Page | 2022 / 432 |
| Map Reference | MAP 72 PG 67&68 |
| Instrument Date | Oct 15, 2019 |
| Instrument | 201947446 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1849 TOWER ST, 1849, SCHENECTADY, NY 12303-4006 |
| Name | Verified Name |
|---|---|
| Address | 14 DAVID RD, LATHAM, NY 12110-2406 |
| Document Number | 0000047447 |
|---|---|
| Date | Oct 21, 2019 |
| Instrument | 201947447 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2026 property tax bill for 1849 Tower St was $4,855, up 1.9% from the year before.
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 | $4,855.00 (+1.91%) | ||
| 2025 | $4,764.00 | $130,000 Land $6,800 Building $123,200 | $200,000 Land $10,462 Building $189,538 |
| 2023 | $130,000 Land $6,800 Building $123,200 | $171,100 Land $8,950 Building $162,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1849 Tower St in Zone X, an area of minimal flood risk.
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 risk around 1849 Tower St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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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