304 Debbie Dr, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 304 Debbie Dr, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,010 sqft · built 1989
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$279,000 (Sep 2020)
Tax Bill	$9,227 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 58.17-1-12`

Property Details

APN / Parcel Number

Primary APN	`422800 58.17-1-12`
Alternative APN	`280005801700010120000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,010 sqft Living Area
1st Floor Area	1,334 sqft
2nd Floor Area	676 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	151 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	375 sqft
Shed	1 Shed
Shed Area	60 sqft
Gazebo	225 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	304 DEBBIE DR
City	SCHENECTADY
State	NY
Zip	12306-2524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	R,G2,FP,2STY,TLSH CAROLINE MNR PHASE I-12 58.00-2-2.11 & 2.112
Legal Subdivision	CAROLINE MANOR PHASE I
Legal Block	1
Legal Lot Number	12.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1011
Census Tract	33002

Owner

304 Debbie Dr is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	304 DEBBIE DR, SCHENECTADY, NY 12306-2524
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2020 · Amount on File
Deed Sale	Sep 22, 2020 · Amount on File
Prior Sale	Oct 12, 2012 · Amount on File
Deed Document Number	202028244
Deed Book / Page	2041 / 907
Prior Transfer Date	Dec 18, 2012
Prior Transfer Doc	0000000379
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 22, 2020
Property Address	304 DEBBIE DR, SCHENECTADY, NY 12306-2524
Document Number	0000028244
Book / Page	2041 / 907
Map Reference	CAB G MAP 206&207
Instrument Date	Aug 27, 2020
Instrument	202028244
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	STEWART TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,116.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 DEBBIE DR, 304, ROTTERDAM, NY 12306-2524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 FULLERTON ST, ALBANY, NY 12209-1311

Mortgage

Document Number	0000028245
Date	Sep 22, 2020
Instrument	202028245

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 304 Debbie Dr was $9,227, down 7.2% 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	Schalmont Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,227.00 (-7.22%)
2025	$9,945.00	$248,000 Land $35,000 Building $213,000	$381,500 Land $53,841 Building $327,659
2023		$248,000 Land $35,000 Building $213,000	$326,300 Land $46,050 Building $280,250

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

Flood

FEMA maps place 304 Debbie 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 304 Debbie 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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880