Schenectady County and Rotterdam Town property record for 1901 Bernice St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,205 sqft · built 1943 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,941 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.10-6-1 |
| Primary APN | 422800 59.10-6-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,205 sqft Living Area |
| 1st Floor Area | 1,554 sqft |
| Upper Floors Area | 651 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 145 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 315 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 450 sqft |
| Patio Area | 140 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1901 BERNICE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-3062 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,SHDM,SF,FP,ADD STONEGATE MNR-100 5.-356-25 |
| Legal Block | 6 |
| Legal Lot Number | 1.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 5 |
| Census Block | 5014 |
| Census Tract | 32902 |
1901 Bernice St is owned and occupied by two individuals who acquired it in February 2026.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1901 BERNICE ST, SCHENECTADY, NY 12303-3062 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Aug 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Mar 31, 2026 | Intrafamily Transfer, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Jan 16, 2018 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 24, 2026 |
| Transfer Doc | 0000007208 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1901 BERNICE ST, SCHENECTADY, NY 12303-3062 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 1901 BERNICE ST, SCHENECTADY, NY 12303-3062 |
| Document Number | 0000038219 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 5128/862 |
| Instrument | 202138219 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1901 BERNICE ST, SCHENECTADY, NY 12303-3062 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1901 BERNICE ST, SCHENECTADY, NY 12303-3062 |
| Document Number | 0000012275 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 5082/214 |
| Instrument | 202112275 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 171 Months |
| Due | Jun 3, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 31, 2026 |
| Property Address | 1901 BERNICE ST, SCHENECTADY, NY 12303-3062 |
| Document Number | 0000007208 |
| Instrument Date | Feb 24, 2026 |
| Instrument | 202607208 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1901 BERNICE ST, SCHENECTADY, NY 12303-3062 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1901 BERNICE ST, SCHENECTADY, NY 12303-3062 |
| Document Number | 0000007209 |
|---|---|
| Date | Mar 31, 2026 |
| Instrument | 202607209 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1901 BERNICE ST, SCHENECTADY, NY 12303-3062 |
| Document Number | 0000010629 |
| Instrument Date | Jan 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1901 BERNICE ST SCHENECTADY NY 123033062, SCHENECTADY, NY 12303-3062 |
| Document Number | 0000010629 |
|---|---|
| Date | Mar 12, 2018 |
| Book Page | 004823/000976 |
| Instrument | 10629 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 1901 Bernice St was $6,941 with a homeowner's exemption, up 2% 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 | $6,941.00 (+2.01%) Homeowner's exemption | ||
| 2025 | $6,804.00 | $185,000 Land $10,400 Building $174,600 | $284,600 Land $15,999 Building $268,601 |
| 2023 | $185,000 Land $10,400 Building $174,600 | $243,400 Land $13,683 Building $229,717 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1901 Bernice 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 1901 Bernice 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 540 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 Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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