Schenectady County and Rotterdam Town property record for 1864 Tower St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,498 sqft · built 1980 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $119,000 (Sep 2001) |
| Tax Bill | $6,723 (2026) |
| Deeds & Mortgages | May 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.9-9-17.1 |
| Primary APN | 422800 59.9-9-17.1 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,498 sqft Living Area |
| 1st Floor Area | 1,116 sqft |
| Basement Area | 382 sqft |
| Finished Basement | 382 sqft |
| Game Room | Game Room |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 126 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 70 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1864 TOWER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-4007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Block | 9 |
| Legal Lot Number | 17.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 32902 |
1864 Tower St is owned and occupied by two individuals who bought it in September 2001.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1864 TOWER ST, SCHENECTADY, NY 12303-4007 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2001 · Amount on File |
| Deed Sale | Sep 5, 2001 · Amount on File |
| Deed Book / Page | 1607 / 970 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1864 TOWER ST, SCHENECTADY, NY 12303-4007 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1864 TOWER ST, SCHENECTADY, NY 12303-4007 |
| Document Number | 0000025340 |
|---|---|
| Date | May 3, 2023 |
| Book Page | 5302/300 |
| Instrument | 202325340 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Apr 19, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 1864 Tower St was $6,723, 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 | $6,723.00 (+1.93%) | ||
| 2025 | $6,596.00 | $180,000 Land $9,000 Building $171,000 | $276,900 Land $13,845 Building $263,055 |
| 2023 | $180,000 Land $9,000 Building $171,000 | $236,800 Land $11,840 Building $224,960 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1864 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.
The area around 1864 Tower St has no burnable land within ember reach, so its wildfire risk is not rated.
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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