Schenectady County and Rotterdam Town property record for 20 Willow St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,576 sqft · built 1966 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $353,000 (Jun 2026) |
| Tax Bill | $5,848 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 58.8-8-19 |
| Primary APN | 422800 58.8-8-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,576 sqft Living Area |
| 1st Floor Area | 1,576 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 20 WILLOW ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G2,SF,2FP,BZY,TLSH HOMELNDS 1 95,96,PT97 6.-437-21/AMERICO RUZZA |
| Legal Subdivision | HOMELANDS ADDITION NO 1 |
| Legal Block | 8 |
| Legal Lot Number | 19.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 33004 |
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 Record |
|---|---|
| Mailing Address | 32102 WATERS VIEW CIR, COHOES, NY 12047-5272 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION |
| Jan 27, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on Record |
| Deed Sale | Jun 22, 2026 · Amount on Record |
| Deed Document Number | 202614006 |
| Deed Book / Page | 2174 / 262 |
| Prior Transfer Date | Jan 7, 2020 |
| Prior Transfer Doc | 0000003652 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 22, 2026 |
| Property Address | 20 WILLOW ST, SCHENECTADY, NY 12306-3625 |
| Document Number | 0000014006 |
| Book / Page | 2174 / 262 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202614006 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | CSC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $142,612.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000014007, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202614007 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 27, 2020 |
| Property Address | 20 WILLOW ST, SCHENECTADY, NY 12306-3625 |
| Document Number | 0000003652 |
| Book / Page | 002029 / 000233 |
| Instrument Date | Jan 7, 2020 |
| Instrument | 3652 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 WILLOW ST ROTTERDAM NY 123063625, ROTTERDAM, NY 12306-3625 |
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 | $5,848.00 (+2.01%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $5,733.00 | $196,000 (-) Land $10,100 Building $185,900 | $301,500 (+16.91%) Land $15,536 Building $285,964 |
| 2023 | $196,000 Land $10,100 Building $185,900 | $257,900 Land $13,290 Building $244,610 |
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 | 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 501 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 |
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