2100 Tower Ave, Schenectady, NY 12304 Property Records

Schenectady County and Rotterdam Town property record for 2100 Tower Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,359 sqft · built 1940
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,868 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.7-10-13`

Property Details

APN / Parcel Number

Primary APN	`422800 59.7-10-13`
Alternative APN	`280005900700100130000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,359 sqft Living Area
1st Floor Area	1,074 sqft
Upper Floors Area	285 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	150 ft deep x 140 ft wide

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	150 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2100 TOWER AVE
City	SCHENECTADY
State	NY
Zip	12304-4784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R SENIOR AFFIDAVIT REQUIRED 1.A-101-3.A
Legal Block	10
Legal Lot Number	13.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1006
Census Tract	32901

Owner

2100 Tower Ave is owned and occupied by two individuals who acquired it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2100 TOWER AVE, SCHENECTADY, NY 12304-4784
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Quit Claim Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Aug 19, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Nov 14, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2026
Deed Sale	Aug 4, 2026
Prior Sale	Nov 24, 2015 · Amount on File
Deed Document Number	202617357
Deed Book / Page	2177 / 73
Prior Transfer Date	Jul 16, 2026
Prior Transfer Doc	0000017357
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 4, 2026
Property Address	2100 TOWER AVE, SCHENECTADY, NY 12304-4784
Document Number	0000017357
Book / Page	2177 / 73
Instrument Date	Jul 16, 2026
Instrument	202617357
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2100 TOWER AVE, SCHENECTADY, NY 12304-4784

Mortgage

Document Number	0000017358,
Date	Aug 4, 2026
Instrument	202617358

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2100 TOWER AVE, SCHENECTADY, NY 12304-4784
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2100 TOWER AVE, SCHENECTADY, NY 12304-4784

Mortgage

Document Number	0000040670
Date	Aug 19, 2021
Book Page	5133/770
Instrument	202140670

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2100 TOWER AVE, SCHENECTADY, NY 12304-4784
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	AMROCK LLC RESIDENTIAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2100 TOWER AVE, SCHENECTADY, NY 12304-4784

Mortgage

Document Number	0000069000
Date	Nov 14, 2024
Book Page	5411/92
Instrument	202469000

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 2100 Tower Ave was $5,868, up 2% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,868.00 (+2.02%)
2025	$5,752.00	$156,400 Land $16,800 Building $139,600	$240,600 Land $25,845 Building $214,755
2023		$156,400 Land $16,800 Building $139,600	$205,800 Land $22,106 Building $183,694

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

Flood

FEMA maps place 2100 Tower Ave in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 2100 Tower Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 369 locations within half a mile, as of December 31, 2025

Provider	Max 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

May also be available: Greenlight Networks.

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