Schenectady County and Rotterdam Town property record for 2945 Caroline Ave, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,574 sqft · built 1935 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $167,000 (Oct 2011) |
| Tax Bill | $7,525 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.14-9-5 |
| Primary APN | 422800 48.14-9-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,574 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Upper Floors Area | 374 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 144 ft deep x 36 ft wide |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 72 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 2945 CAROLINE AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-1605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G SIEGEL - 165 2.-157-20 |
| Legal Block | 9 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 32700 |
2945 Caroline Ave is owned and occupied by an individual who bought it in October 2011.
Source: Schenectady County and Rotterdam Town records, as of October 19, 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 2945 CAROLINE AVE, SCHENECTADY, NY 12306-1605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2011 · Amount on File |
| Deed Sale | Oct 6, 2011 · Amount on File |
| Prior Sale | May 6, 2011 · Amount on File |
| Deed Document Number | 201140631 |
| Deed Book / Page | 1844 / 896 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 17, 2026 |
| Property Address | 2945 CAROLINE AVE, SCHENECTADY, NY 12306-1605 |
| Document Number | 0000020812 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 202620812 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2945 CAROLINE AVE, SCHENECTADY, NY 12306-1605 |
| Document Number | 0000020812, |
|---|---|
| Date | Sep 17, 2026 |
| Instrument | 202620812 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Sep 1, 2066 |
| Max Rate | -1% |
|---|
The 2026 property tax bill for 2945 Caroline Ave was $7,525 with a homeowner's exemption, down 7% from the year before.
Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Schalmont Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,525.00 (-7.02%) Homeowner's exemption | ||
| 2025 | $8,093.00 | $201,700 Land $7,200 Building $194,500 | $310,300 Land $11,077 Building $299,223 |
| 2023 | $201,700 Land $7,200 Building $194,500 | $265,395 Land $9,474 Building $255,921 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2945 Caroline Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 2945 Caroline Ave is low, with less than 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 326 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 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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