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2105 Rosa Rd, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 2105 Rosa Rd, Schenectady, NY 12309

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,245 sqft · built 1953
Lot Size0.37 acres (16,140 sqft)
Owner2 Individual Names on Record
Last Sale$240,000 (Jul 2022)
Tax Bill$7,707 (2026)
Deeds & MortgagesJul 2022 Sale & Mortgage
Apr 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN421500 40.30-1-22

Property Details

APN / Parcel Number

Primary APN421500 40.30-1-22
Alternative APN
  • 150004003000010220000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,245 sqft Living Area
1st Floor Area1,245 sqft
Basement Area473 sqft
Finished Basement473 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 1953
Architectural StyleRanch
Exterior MaterialWood
Lot Area16,140 sqft (0.37 acres)
Lot Dimensions100 ft deep x 161 ft wide
Garage TypeAttached
Garage Area300 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchSlab
Porch Area50 sqft
Patio Area192 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address2105 ROSA RD
CitySCHENECTADY
StateNY
Zip12309-5022
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal Description270 272 & 273 1 WOOD
Legal SubdivisionROSA ESTATES
Legal Block1
Legal Lot Number22.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1006
Census Tract20101

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address2105 ROSA RD, SCHENECTADY, NY 12309-5022
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2022Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Apr 9, 2019Grant Deed, Transfer · Conventional with PMI
SEFCU
Dec 26, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 28, 2022 · Amount on Record
Deed SaleJul 28, 2022 · Amount on Record
Prior SaleApr 9, 2019 · Amount on Record
Deed Document Number202239606
Deed Book / Page2089 / 686
Prior Transfer DateJan 12, 2006
Prior Transfer Doc1725000058
Record UpdatedOct 29, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateJul 28, 2022
Property Address2105 ROSA RD, SCHENECTADY, NY 12309-5022
Document Number0000039606
Book / Page2089 / 686
Map ReferenceMAP D-84
Instrument DateJul 21, 2022
Instrument202239606
Transaction TypeTransfer
Record UpdatedAug 15, 2022
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$960.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2105 ROSA RD, 2105, SCHENECTADY, NY 12309-5022

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2984 HILLCREST RD, NISKAYUNA, NY 12309-1708

Mortgage

Document Number0000039607
DateJul 28, 2022
Instrument202239607
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2052

April 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSCHENECTADY NY
Recording DateApr 9, 2019
Property Address2105 ROSA RD, SCHENECTADY, NY 12309-5022
Document Number0000015260
Book / Page002009 / 000001
Instrument DateApr 5, 2019
Instrument15260
Transaction TypeTransfer
Record UpdatedApr 23, 2019
Title CompanySNEERINGER MONAHAN PROVOST RED

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$560.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address32 MYERS COURT E C OV NC PTI I COLONIE NY 12205, COLONIE, NY 12205

Mortgage

Document Number15261
DateApr 9, 2019
Book Page004904/000327
Instrument15261
Lender
NameSEFCU
TypeCredit Union
AddressALBANY, NY 12206
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueApr 8, 2049

December 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateDec 26, 2018
Property Address2105 ROSA RD, SCHENECTADY, NY 12309-5022
Document Number0000055982
Book / Page002002 / 000503
Instrument DateDec 5, 2018
Instrument55982
Transaction TypeTransfer
Record UpdatedJan 29, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address617 DUANESBURG RD SCHENECTADY NY 123061016, SCHENECTADY, NY 12306-1016

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$7,707.00 (+1.73%)
2025$7,576.00 (+4.04%)$156,000 (-) Land $24,500 Building $131,500$258,321 (+30.82%) Land $40,570 Building $217,751
2023$156,000 (-) Land $24,500 Building $131,500$197,468 (+3.8%) Land $31,013 Building $166,455
2022$156,000 Land $24,500 Building $131,500$190,244 Land $29,878 Building $160,366
2021$7,282.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1993–1996)
Most Recent ClaimJan 1996 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 97% of the US · lower than 96% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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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