Schenectady County and Rotterdam Town property record for 3015 Caroline Ave, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,310 sqft · built 1959 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,074 (2026) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Apr 2022 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.14-10-19.1 |
| Primary APN | 422800 48.14-10-19.1 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,310 sqft Living Area |
| 1st Floor Area | 980 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 144 ft deep x 54 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 50 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 3015 CAROLINE AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-1607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Block | 10 |
| Legal Lot Number | 19.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 32700 |
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3015 CAROLINE AVE, SCHENECTADY, NY 12306-1607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST NEW YORK FCU |
| Apr 25, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage STATE EMPLOYEES FCU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 11, 2023 |
| Property Address | 3015 CAROLINE AVE, SCHENECTADY, NY 12306-1607 |
| Document Number | 0000051298 |
| Book / Page | 2115 / 802 |
| Map Reference | MAP A-266 |
| Instrument Date | Aug 22, 2023 |
| Instrument | 202351298 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2023 |
| Title Company | MPR TITLE AGENCY, SMPR TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $860.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3015 CAROLINE AVE, SCHENECTADY, NY 12306-1607 |
| Name | Verified Name |
|---|---|
| Address | 610 MARIAVILLE RD APT 405, 405, ROTTERDAM, NY 12306-1157 |
| Document Number | 0000051299 |
|---|---|
| Date | Sep 11, 2023 |
| Instrument | 202351299 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Sep 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.3% |
| Margin | 3 |
| Max Rate | 10.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 3015 CAROLINE AVE, SCHENECTADY, NY 12306-1607 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3015 CAROLINE AVE, ROTTERDAM, NY 12306-1607 |
| Document Number | 0000021285 |
|---|---|
| Date | Apr 25, 2022 |
| Book Page | 5221/419 |
| Instrument | 202221285 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2037 |
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 | $5,074.00 (-7.02%) | ||
| 2025 | $5,457.00 | $136,000 (-) Land $10,200 Building $125,800 | $209,200 (+16.94%) Land $15,690 Building $193,510 |
| 2023 | $136,000 (-) Land $10,200 Building $125,800 | $178,900 (+9.15%) Land $13,417 Building $165,483 | |
| 2022 | $136,000 Land $10,200 Building $125,800 | $163,900 Land $12,292 Building $151,608 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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