Schenectady County and Schenectady City property record for 21 Rosa Rd, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,076 sqft · built 1915 |
| Lot Size | 0.255 acres (11,116 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $6,589 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Mar 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.52-3-21 |
| Primary APN | 421500 39.52-3-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,076 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| 2nd Floor Area | 1,408 sqft |
| Upper Floors Area | 48 sqft |
| Basement Area | 216 sqft |
| Finished Basement | 216 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 11,116 sqft (0.255 acres) |
| Lot Dimensions | 185 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 734 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 21 ROSA RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-2135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Subdivision | CORLAER HEIGHTS |
| Legal Block | 3 |
| Legal Lot Number | 21.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 20101 |
Source: Schenectady County and Schenectady City records · APN 421500 39.52-3-21
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 | 2 Company Names on File |
|---|---|
| Mailing Address | 21 ROSA RD, SCHENECTADY, NY 12308-2135 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 26, 2025 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Mar 21, 2024 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF SCOTIA |
| Jun 29, 2020 | Deed of Trust, Mortgage FIRST NATIONAL BANK OF SCOTIA |
| Feb 14, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Dec 24, 2019 |
| Transfer Doc | 0000057379 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 21 ROSA RD, SCHENECTADY, NY 12308-2135 |
| Transaction Type | Mortgage |
| Record Updated | Oct 09, 2025 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC |
| Name | Verified Name |
|---|---|
| Address | 21 ROSA RD, SCHENECTADY, NY 12308-2135 |
| Document Number | 0000023233 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | 202523233 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 21 ROSA RD, SCHENECTADY, NY 12308-2135 |
| Transaction Type | Mortgage |
| Record Updated | Apr 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 21 ROSA RD, SCHENECTADY, NY 12308-2135 |
| Document Number | 0000017101 |
|---|---|
| Date | Mar 21, 2024 |
| Book Page | 5363/847 |
| Instrument | 202417101 |
| Name | FIRST NATIONAL BANK OF SCOTIA |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 21 ROSA RD, SCHENECTADY, NY 12308-2135 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018648 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 4999/830 |
| Instrument | 202018648 |
| Name | FIRST NATIONAL BANK OF SCOTIA |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jun 19, 2035 |
| Rate | 4.3% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 14, 2019 |
| Property Address | 21 ROSA RD, SCHENECTADY, NY 12308-2135 |
| Document Number | 0000006835 |
| Book / Page | 002005 / 000644 |
| Instrument Date | Jan 04, 2019 |
| Instrument | 6835 |
| Transaction Type | Transfer |
| Record Updated | Mar 01, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1905 AVENUE A SCHENECTADY NY 123081611, SCHENECTADY, NY 12308-1611 |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 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 | $6,589.00 (+7.3%) | $140,000 (-) Land $21,000 Building $119,000 | $231,826 (+30.82%) Land $34,774 Building $197,052 |
| 2023 | $140,000 (-) Land $21,000 Building $119,000 | $177,215 (+3.8%) Land $26,582 Building $150,633 | |
| 2022 | $140,000 Land $21,000 Building $119,000 | $170,732 Land $25,610 Building $145,122 | |
| 2021 | $6,141.00 |
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 | Not rated no burnable land within 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 533 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 | SCHENECTADY CITY WATER WORKS serves 62,000 people |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) 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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