Schenectady County and Schenectady City property record for 305 Rosa Rd, Schenectady, NY 12308
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,632 sqft · built 1900 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $154,000 (Aug 2018) |
| Tax Bill | $7,378 (2026) |
| Deeds & Mortgages | Jul 2022 Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.37-1-42 |
| Primary APN | 421500 40.37-1-42 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,632 sqft Total Area |
| 1st Floor Area | 1,316 sqft |
| 2nd Floor Area | 1,316 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,000 sqft (0.229 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
| Porch Area | 590 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 305 ROSA RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-1723 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 24 2 WOOD |
| Legal Subdivision | PINE HILLS |
| Legal Block | 1 |
| Legal Lot Number | 42.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 20101 |
Source: Schenectady County and Schenectady City 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 | 305 ROSA RD, SCHENECTADY, NY 12308-1723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Apr 6, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 13, 2018 | Warranty Deed, Transfer · FHA Mortgage 1ST PRIORITY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2018 · Amount on Record |
| Deed Sale | Aug 13, 2018 · Amount on Record |
| Prior Sale | Oct 27, 2008 · Amount on Record |
| Deed Document Number | 201835754 |
| Deed Book / Page | 1993 / 529 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 305 ROSA RD, SCHENECTADY, NY 12308-1723 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Title Company | SERVICELINK LOAN MODIFICATIO |
| Name | Verified Name |
|---|---|
| Address | 305 ROSA RD, SCHENECTADY, NY 12308-1723 |
| Document Number | 0000039604 |
|---|---|
| Date | Jul 28, 2022 |
| Book Page | 5244/776 |
| Instrument | 202239604 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 314 Months |
| Due | Sep 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 305 ROSA RD, SCHENECTADY, NY 12308-1723 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 305 ROSA RD, SCHENECTADY, NY 12308-1723 |
| Document Number | 0000017799 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | 5216/675 |
| Instrument | 202217799 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 317 Months |
| Due | Sep 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 13, 2018 |
| Property Address | 305 ROSA RD, SCHENECTADY, NY 12308-1723 |
| Document Number | 0000035754 |
| Book / Page | 1993 / 529 |
| Instrument Date | Aug 3, 2018 |
| Instrument | 201835754 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $616.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 305 ROSA RD, 305, SCHENECTADY, NY 12308-1723 |
| Name | Verified Name |
|---|
| Document Number | 0000035757 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | 201835757 |
| Name | 1ST PRIORITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,378.00 (+2.86%) | ||
| 2025 | $7,173.00 (+6.36%) | $129,800 (-) Land $19,500 Building $110,300 | $214,936 (+30.82%) Land $32,290 Building $182,646 |
| 2023 | $129,800 (-) Land $19,500 Building $110,300 | $164,304 (+3.8%) Land $24,684 Building $139,620 | |
| 2022 | $129,800 Land $19,500 Building $110,300 | $158,293 Land $23,781 Building $134,512 | |
| 2021 | $6,744.00 |
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 | Not rated no burnable land within ember reach |
|---|
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 | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) 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 405 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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