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2225 Rose St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 2225 Rose St, Schenectady, NY 12306

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,470 sqft · built 1926
Lot Size0.124 acres (5,400 sqft)
OwnerIndividual Name on Record
Last Sale$52,000 (Jan 2001)
Tax Bill$4,493 (2026)
Deeds & MortgagesJun 2026 Mortgage
May 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN421500 48.67-3-21

Property Details

APN / Parcel Number

Primary APN421500 48.67-3-21
Alternative APN
  • 150004806700030210000000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,470 sqft Living Area
1st Floor Area1,074 sqft
Upper Floors Area396 sqft
AtticAttic
Attic Area396 sqft

Exterior

Year BuiltBuilt 1926
Effective Year BuiltEffective 1926
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Lot Area5,400 sqft (0.124 acres)
Lot Dimensions120 ft deep x 45 ft wide
Garage TypeDetached
Garage Area288 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area152 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address2225 ROSE ST
CitySCHENECTADY
StateNY
Zip12306
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code03 - MULTI
Legal Description1 WOOD AND GARAGE
Legal Block3
Legal Lot Number21.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group4
Census Block4000
Census Tract33200

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 RecordIndividual Name on Record
Mailing Address2225 ROSE ST, 27, SCHENECTADY, NY 12306
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 26, 2026Deed of Trust, Mortgage · FHA Mortgage
FIRST AMERICAN TITLE
May 5, 2017Loan Modification, Mortgage · Conventional Mortgage
MIDFIRST BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 8, 2001 · Amount on Record
Deed SaleJan 8, 2001 · Amount on Record
Deed Book / Page1593 / 556
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Recording DateJun 26, 2026
Property Address2225 ROSE ST, SCHENECTADY, NY 12306
Document Number0000014529
Instrument DateJun 3, 2026
Instrument202614529
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2225 ROSE ST, SCHENECTADY, NY 12306

Mortgage

Document Number0000014529,
DateJun 26, 2026
Instrument202614529
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term252 Months
DueJun 1, 2047
Interest
Rate6.37%
Max Rate-1%

May 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSCHENECTADY NY
Property Address2225 ROSE ST, SCHENECTADY, NY 12306
Document Number0000028308
Instrument DateMay 5, 2017
Transaction TypeMortgage
Record UpdatedAug 21, 2018
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2225 ROSE ST SCHENECTADY NY 12306, SCHENECTADY, NY 12306

Mortgage

Document Number0000028308
DateJun 26, 2017
Book Page004769/000033
Instrument28308
Lender
NameMIDFIRST BK
TypeBank
AddressOKLAHOMA CITY, OK 73118
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 25, 2047
Interest
Rate TypeFixed Rate
Rate4.37%

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$4,493.00 (+3.79%) Homeowner's exemption
2025$4,329.00 (+9.29%)$94,000 (-) Land $14,100 Building $79,900$155,655 (+30.82%) Land $23,348 Building $132,307
2023$94,000 (-) Land $14,100 Building $79,900$118,987 (+3.8%) Land $17,848 Building $101,139
2022$94,000 Land $14,100 Building $79,900$114,634 Land $17,195 Building $97,439
2021$3,961.00

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 844 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

May also be available: Greenlight Networks.

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