Schenectady County and Rotterdam Town property record for 2041 Ferguson St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,209 sqft · built 1962 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (Apr 2022) |
| Tax Bill | $7,545 (2026) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.13-3-28.1 |
| Primary APN | 422800 59.13-3-28.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,209 sqft Living Area |
| 1st Floor Area | 1,943 sqft |
| Upper Floors Area | 378 sqft |
| Basement Area | 266 sqft |
| Finished Basement | 266 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 81 ft wide |
| Garage Type | Mixed |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 170 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 2041 FERGUSON ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-4124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G2,BF,ENCPT HAM-459,PTS458,460 59.13-03-28 |
| Legal Block | 3 |
| Legal Lot Number | 28.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 32902 |
Source: Schenectady County and Rotterdam Town 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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 2041 FERGUSON ST, SCHENECTADY, NY 12303-4124 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2022 | Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Feb 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 7, 2022 · Amount on Record |
| Deed Sale | Apr 7, 2022 · Amount on Record |
| Deed Document Number | 202217991 |
| Deed Book / Page | 2082 / 250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 7, 2022 |
| Property Address | 2041 FERGUSON ST, SCHENECTADY, NY 12303-4124 |
| Document Number | 0000017991 |
| Book / Page | 2082 / 250 |
| Instrument Date | Mar 29, 2022 |
| Instrument | 202217991 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Title Company | SMPR TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2041 FERGUSON ST, 2041, SCHENECTADY, NY 12303-4124 |
| Name | Verified Name |
|---|---|
| Address | 422 TAURUS RD, SCHENECTADY, NY 12304-2433 |
| Document Number | 0000018003 |
|---|---|
| Date | Apr 7, 2022 |
| Instrument | 202218003 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Apr 21, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 2041 FERGUSON ST, SCHENECTADY, NY 12303-4124 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006178 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 4972/512 |
| Instrument | 202006178 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Mar 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 4.62% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.62% |
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 | $7,545.00 (+8.36%) | ||
| 2025 | $6,963.00 | $202,000 (+6.32%) Land $10,400 Building $191,600 | $310,769 (+24.31%) Land $16,000 Building $294,769 |
| 2023 | $190,000 Land $10,400 Building $179,600 | $250,000 Land $13,684 Building $236,316 |
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 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 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 518 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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