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245 Phillips Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 245 Phillips Rd, Schenectady, NY 12306 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms1.5 Baths
Year BuiltBuilt 1985
Square Footage1,790 sqft Living Area
Lot Size9,148 sqft (0.21 acres)
GarageAttached, 308 sqft
OccupancyOwner Occupied
Tax Bill$8,236.00 (2025)

Property Details

APN / Parcel Number

Primary APN422800 48.5-2-6
Alternative APN
  • 280004800500020060000000

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Partial Baths1 Partial Baths
Building Area1,790 sqft Living Area
1st Floor1,316 sqft 1st Floor
Upper Floors474 sqft Upper Floors
Stories1 Stories

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 1985
Architectural StyleCape Cod Style
Exterior MaterialWood Exterior
Lot Area9,148 sqft (0.21 acres)
Depth X Width187 ft x 50 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeAttached Garage
Garage Area308 sqft Garage
Shed1 Shed
Shed Area60 sqft Shed
Porch Area50 sqft Porch

Utilities and HVAC

Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel
SewageSeptic Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address245 PHILLIPS RD
CitySCHENECTADY
StateNY
Zip12306-5736
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionR,G,ROG-(L) 1.-47-22
Legal Block2
Legal Lot Number6.000
JurisdictionSCHENECTADY NY
Minor Civil DivisionROTTERDAM
Census Blockgroup3
Census Block3035
Census Tract32602

Owner

Source: Schenectady County and Rotterdam Town records · APN 422800 48.5-2-6

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 Record2 Individual Names on File
Mailing Address245 PHILLIPS RD, SCHENECTADY, NY 12306-5736
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 27, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
NONE LISTED ON DOCUMENT
Jan 22, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
GUARANTEED RATE
Jul 11, 2018Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
GUARANTEED RATE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Record RefreshedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Recording DateJul 27, 2026
Property Address245 PHILLIPS RD, SCHENECTADY, NY 12306-5736
Document Number0000016691
Instrument DateJun 29, 2026
Instrument202616691
Transaction TypeMortgage
Record UpdatedAug 04, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address245 PHILLIPS RD, SCHENECTADY, NY 12306-5736

Mortgage

Document Number0000016691,
DateJul 27, 2026
Instrument202616691
Lender
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term283 Months
DueFeb 01, 2050
Interest
Rate6.53%
Max Rate-1%

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address245 PHILLIPS RD, SCHENECTADY, NY 12306-5736
Document Number0000003907
Instrument DateJan 22, 2020
Transaction TypeMortgage
Record UpdatedFeb 28, 2020
Title CompanyNATIONAL TITLE AND ABSTRACT COMPANY, NATIONAL TITLE & ABS CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address245 PHILLIPS RD ROTTERDAM NY 123065736, ROTTERDAM, NY 12306-5736

Mortgage

Document Number0000003907
DateJan 28, 2020
Book Page004969/000013
Instrument3907
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 27, 2050

July 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSCHENECTADY NY
Recording DateJul 11, 2018
Property Address245 PHILLIPS RD, SCHENECTADY, NY 12306-5736
Document Number0000030426
Book / Page001991 / 000175
Instrument DateJun 29, 2018
Instrument30426
Transaction TypeTransfer
Record UpdatedAug 02, 2018
Title CompanyOTHER

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$766.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1035 WALLACE AVE SCHENECTADY NY 123062007, SCHENECTADY, NY 12306-2007

Mortgage

Document Number30430
DateJul 11, 2018
Book Page004849/000763
Instrument30430
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJul 10, 2048

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
County SubdivisionRotterdam Town
Unified School DistrictSchalmont Central School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$8,236.00$198,000 (-) Land $6,300 Building $191,700$304,600 (+16.93%) Land $9,692 Building $294,908
2023$198,000 Land $6,300 Building $191,700$260,500 Land $8,289 Building $252,211

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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