251 Phillips Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 251 Phillips Rd, Schenectady, NY 12306 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,590 sqft · built 1991
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Last Sale	$187,000 (Jan 2015)
Tax Bill	$8,111 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 48.5-2-7.12`

Property Details

APN / Parcel Number

Primary APN	`422800 48.5-2-7.12`
Alternative APN	`280004800500020070120000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,590 sqft Living Area
1st Floor Area	914 sqft
2nd Floor Area	676 sqft
Game Room	Game Room

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	126 ft deep x 99 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	528 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	251 PHILLIPS RD
City	SCHENECTADY
State	NY
Zip	12306-5736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R,G2,FP,2STY,SHD LANDS OF FISH - 3 48.05-2-7
Legal Block	2
Legal Lot Number	7.012
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	3
Census Block	3035
Census Tract	32602

Owner

Source: Schenectady County and Rotterdam Town records · APN 422800 48.5-2-7.12

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 Individual Names on File
Mailing Address	251 PHILLIPS RD, SCHENECTADY, NY 12306-5736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2020	Deed of Trust, Mortgage · Conventional with PMI HOMESTEAD FNDG
Feb 19, 2020	Warranty Deed, Transfer HOMESTEAD FNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 26, 2015 · Amount on Record
Deed Sale	Jan 26, 2015 · Amount on Record
Prior Sale	Jan 26, 2015 · Amount on Record
Deed Book / Page	1908 / 707
Record Updated	Jun 08, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	251 PHILLIPS RD, SCHENECTADY, NY 12306-5736
Document Number	0000007020
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18 LAKESHORE DR #2D WATERVLIET NY 121892939, 2D, WATERVLIET, NY 12189-2939

Mortgage

Document Number	0000007020
Date	Feb 19, 2020
Book Page	004973/000609
Instrument	7020

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 19, 2020
Property Address	251 PHILLIPS RD, SCHENECTADY, NY 12306-5736
Document Number	0000007019
Book / Page	002030 / 000829
Instrument Date	Feb 14, 2020
Instrument	7019
Transaction Type	Transfer
Record Updated	Mar 16, 2020
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$836.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18 LAKESHORE DR #2D WATERVLIET NY 121892939, 2D, WATERVLIET, NY 12189-2939

Mortgage

Document Number	7020
Date	Feb 19, 2020
Book Page	004973/000609
Instrument	7020

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Schalmont 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,111.00	$195,000 (-) Land $13,200 Building $181,800	$300,000 (+16.91%) Land $20,308 Building $279,692
2023		$195,000 Land $13,200 Building $181,800	$256,600 Land $17,370 Building $239,230

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360930326023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	5 (1980–2019)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Apr 2019, river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 128 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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