Schenectady County and Rotterdam Town property record for 1920 Tower St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,512 sqft · built 1951 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Apr 2017) |
| Tax Bill | $5,154 (2026) |
| Deeds & Mortgages | May 2020 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.9-11-15 |
| Primary APN | 422800 59.9-11-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Upper Floors Area | 360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 125 ft deep x 72 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 | 1920 TOWER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-4009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R, ADD HAM - 253,254 2.-172-22 |
| Legal Subdivision | MARTIN HAM HAMS CORNERS |
| Legal Block | 11 |
| Legal Lot Number | 15.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 32902 |
1920 Tower St is owned and occupied by an individual who bought it in April 2017.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1920 TOWER ST, SCHENECTADY, NY 12303-4009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SEFCU |
| Apr 27, 2017 | Deed, Transfer · Conventional Mortgage PRIORITY 1 ABSTRACT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2017 · Amount on File |
| Deed Sale | Apr 27, 2017 · Amount on File |
| Prior Sale | Oct 28, 2013 · Amount on File |
| Deed Document Number | 201718691 |
| Deed Book / Page | 1961 / 456 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1920 TOWER ST, SCHENECTADY, NY 12303-4009 |
| Document Number | 0000015288 |
| Instrument Date | May 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2020 |
| Title Company | SMPR TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 1920 TOWER ST SCHENECTADY NY 123034009, SCHENECTADY, NY 12303-4009 |
| Document Number | 0000015288 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 004991/000988 |
| Instrument | 15288 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 27, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 27, 2017 |
| Property Address | 1920 TOWER ST, SCHENECTADY, NY 12303-4009 |
| Document Number | 0000018691 |
| Book / Page | 1961 / 456 |
| Instrument Date | Apr 20, 2017 |
| Instrument | 201718691 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | PRIORITY 1 ABSTRACT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 KENLYN DR, 20, ALBANY, NY 12205-1202 |
| Name | Verified Name |
|---|---|
| Address | 283 MOUNTAIN ST, ALBANY, NY 12209-2011 |
| Document Number | , 201718693 |
|---|---|
| Date | Apr 27, 2017 |
| Instrument | 201718693 |
| Type | Bank |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
The 2026 property tax bill for 1920 Tower St was $5,154, 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 | $5,154.00 (+1.92%) | ||
| 2025 | $5,057.00 | $138,000 Land $9,500 Building $128,500 | $212,300 Land $14,615 Building $197,685 |
| 2023 | $138,000 Land $9,500 Building $128,500 | $181,600 Land $12,501 Building $169,099 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1920 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 1920 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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