Schenectady County and Rotterdam Town property record for 2019 Michael Ln, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,738 sqft · built 2017 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $11,814 (2025) |
| Deeds & Mortgages | Mar 2026 Refinance Dec 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 57.8-1-11.11 |
| Primary APN | 422800 57.8-1-11.11 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,738 sqft Living Area |
| 1st Floor Area | 1,738 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 150 ft deep x 83.3 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 2019 MICHAEL LN |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-1033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Subdivision | ANTONIA HILLS |
| Legal Block | 1 |
| Legal Lot Number | 11.011 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 32601 |
Source: Schenectady County and Rotterdam Town records · APN 422800 57.8-1-11.11
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2019 MICHAEL LN, SCHENECTADY, NY 12306-1033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA |
| Dec 23, 2025 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Jul 07, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Apr 04, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MB FINANCIAL BANK NA |
| Nov 05, 2018 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 2019 MICHAEL LN, SCHENECTADY, NY 12306-1033 |
| Transaction Type | Mortgage |
| Record Updated | May 01, 2026 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 2019 MICHAEL LN, SCHENECTADY, NY 12306-1033 |
| Document Number | 0000007149 |
|---|---|
| Date | Mar 30, 2026 |
| Instrument | 202607149 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 2019 MICHAEL LN, SCHENECTADY, NY 12306-1033 |
| Transaction Type | Mortgage |
| Record Updated | Jan 09, 2026 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 2019 MICHAEL LN, SCHENECTADY, NY 12306-1033 |
| Document Number | 0000029929 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | 202529929 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 2019 MICHAEL LN, SCHENECTADY, NY 12306-1033 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2021 |
| Title Company | PRIORITY 1 ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 2019 MICHAEL LN, ROTTERDAM, NY 12306-1033 |
| Document Number | 0000032038 |
|---|---|
| Date | Jul 07, 2021 |
| Book Page | 5117/953 |
| Instrument | 202132038 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Aug 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 2019 MICHAEL LN, SCHENECTADY, NY 12306-1033 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000014186 |
|---|---|
| Date | Apr 04, 2018 |
| Book Page | 4829/102 |
| Instrument | 201814186 |
| Name | MB FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 2019 MICHAEL LN, SCHENECTADY, NY 12306-1033 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000048837 |
|---|---|
| Date | Nov 05, 2018 |
| Book Page | 4876/144 |
| Instrument | 201848837 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Schalmont Central School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,814.00 | $295,000 (-) Land $18,800 Building $276,200 | $453,800 (+16.9%) Land $28,920 Building $424,880 |
| 2023 | $295,000 Land $18,800 Building $276,200 | $388,200 Land $24,740 Building $363,460 |
Source: FEMA National Flood Hazard Layer as of January 7, 2014 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 225 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ROTTERDAM WD #5 serves 28,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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