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204 Rosa Rd, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 204 Rosa Rd, Schenectady, NY 12308

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,221 sqft · built 1975
Lot Size0.142 acres (6,216 sqft)
Owner2 Individual Names on Record
Last Sale$87,000 (Aug 2011)
Tax Bill$5,153 (2026)
Deeds & MortgagesSep 2020 Mortgage
Sep 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN421500 40.45-1-9

Property Details

APN / Parcel Number

Primary APN421500 40.45-1-9
Alternative APN
  • 150004004500010090000000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,221 sqft Living Area
1st Floor Area1,026 sqft
Basement Area195 sqft
Finished Basement195 sqft

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Architectural StyleRaised Ranch
Exterior MaterialAluminum/Vinyl
Foundation TypePier/Post & Beam
Lot Area6,216 sqft (0.142 acres)
Lot Dimensions148 ft deep x 42 ft wide
Garage TypeAttached
Garage Area286 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address204 ROSA RD
CitySCHENECTADY
StateNY
Zip12308-2024
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal DescriptionAGED AFFIDAVIT REQUIRED
Legal Block1
Legal Lot Number9.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group2
Census Block2014
Census Tract20101

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address204 ROSA RD, SCHENECTADY, NY 12308-2024
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 29, 2020Deed of Trust, Mortgage · FHA Mortgage
QUICKEN LOANS LLC
Sep 22, 2018Deed of Trust, Mortgage · FHA Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 18, 2011 · Amount on Record
Deed SaleAug 18, 2011 · Amount on Record
Deed Document Number201133590
Deed Book / Page1842 / 503
Prior Transfer DateAug 12, 2011
Prior Transfer Doc0000033588
Record UpdatedOct 29, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address204 ROSA RD, SCHENECTADY, NY 12308-2024
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address204 ROSA RD, SCHENECTADY, NY 12308-2024

Mortgage

Document Number0000029866
DateSep 29, 2020
Book Page5025/36
Instrument202029866
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term337 Months
DueOct 1, 2048

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address204 ROSA RD, SCHENECTADY, NY 12308-2024
Document Number0000044509
Instrument DateSep 22, 2018
Transaction TypeMortgage
Record UpdatedOct 25, 2018
Title CompanyTITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address204 ROSA RD SCHENECTADY NY 123082024, SCHENECTADY, NY 12308-2024

Mortgage

Document Number0000044509
DateOct 9, 2018
Book Page004869/000714
Instrument44509
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 8, 2048

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,153.00 (+3.39%) Homeowner's exemption
2025$4,984.00 (+8.11%)$110,000 (-) Land $16,500 Building $93,500$182,149 (+30.82%) Land $27,322 Building $154,827
2023$110,000 (-) Land $16,500 Building $93,500$139,241 (+3.8%) Land $20,886 Building $118,355
2022$110,000 Land $16,500 Building $93,500$134,146 Land $20,122 Building $114,024
2021$4,610.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 405 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
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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