28 Keator Dr, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 28 Keator Dr, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,789 sqft · built 1953
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$282,000 (Oct 2014)
Tax Bill	$10,950 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 71.9-2-17`

Property Details

APN / Parcel Number

Primary APN	`422800 71.9-2-17`
Alternative APN	`280007100900020170000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,789 sqft Living Area
1st Floor Area	1,680 sqft
2nd Floor Area	493 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2000
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	220 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	540 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	28 KEATOR DR
City	SCHENECTADY
State	NY
Zip	12306-2515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G2,FP,ROG,2ADD HELDERBERG GAR - 19 7.-513-25
Legal Block	2
Legal Lot Number	17.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1032
Census Tract	33002

Owner

28 Keator Dr is owned and occupied by two individuals who bought it in October 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 KEATOR DR, SCHENECTADY, NY 12306-2515
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 11, 2023	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Jun 25, 2020	Deed of Trust, Mortgage TRUSTCO BANK
Apr 22, 2020	Loan Modification, Mortgage · Conventional with PMI TRUSTCO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2014 · Amount on File
Deed Sale	Oct 31, 2014 · Amount on File
Deed Document Number	201451321
Deed Book / Page	1903 / 954
Prior Transfer Date	Oct 5, 2010
Prior Transfer Doc	0000053468
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	28 KEATOR DR, SCHENECTADY, NY 12306-2515
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 KEATOR DR, SCHENECTADY, NY 12306-2515

Mortgage

Document Number	0000051207
Date	Sep 11, 2023
Book Page	5329/838
Instrument	202351207

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	28 KEATOR DR, SCHENECTADY, NY 12306-2515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018270
Date	Jun 25, 2020
Book Page	4999/90
Instrument	202018270

Lender

Name	TRUSTCO BANK
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Amount	Amount on Record

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	28 KEATOR DR, SCHENECTADY, NY 12306-2515
Document Number	0000018271
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 KEATOR DR SCHENECTADY NY 123062515, SCHENECTADY, NY 12306-2515

Mortgage

Document Number	0000018271
Date	Jun 25, 2020
Book Page	004999/000097
Instrument	18271

Lender

Name	TRUSTCO BK
Type	Bank
Address	GLENVILLE, NY 12302

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 28 Keator Dr was $10,950 with a homeowner's exemption, up 1.6% 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	$10,950.00 (+1.61%) Homeowner's exemption
2025	$10,776.00	$294,700 Land $35,300 Building $259,400	$453,400 Land $54,310 Building $399,090
2023		$232,000 Land $35,300 Building $196,700	$305,300 Land $46,453 Building $258,847

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

Flood

FEMA maps place 28 Keator Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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

Wildfire risk around 28 Keator Dr is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fiber	980 / 880

May also be available: Greenlight Networks, T-Mobile.

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