313 Steeple Way, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 313 Steeple Way, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,861 sqft · built 2019
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Sep 2023)
Tax Bill	$9,037 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 70.8-2-32`

Property Details

APN / Parcel Number

Primary APN	`422800 70.8-2-32`
Alternative APN	`280007000800020320000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,861 sqft Living Area
1st Floor Area	1,273 sqft
Basement Area	588 sqft
Finished Basement	588 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Basement
Porch	Slab
Porch Area	73 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	313 STEEPLE WAY
City	SCHENECTADY
State	NY
Zip	12306-2549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Subdivision	HELDERBERG MEADOWS SUBDIVISION
Legal Block	2
Legal Lot Number	32.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1029
Census Tract	33002

Owner

313 Steeple Way is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	313 STEEPLE WAY, SCHENECTADY, NY 12306-2549
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 20, 2023	Warranty Deed, Transfer · Conventional Mortgage METRO CITY BANK
Jun 16, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage KEYBANK USA
Dec 19, 2018	Trustee's Deed, Construction Loan TRADITIONAL BUILDERS LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2023 · Amount on File
Deed Sale	Sep 20, 2023 · Amount on File
Prior Sale	Jun 16, 2020 · Amount on File
Deed Document Number	202353297
Deed Book / Page	2116 / 225
Prior Transfer Date	Aug 16, 2010
Prior Transfer Doc	0000036551
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 20, 2023
Property Address	313 STEEPLE WAY, SCHENECTADY, NY 12306-2549
Document Number	0000053297
Book / Page	2116 / 225
Map Reference	CAB M MAP 104-107
Instrument Date	Aug 17, 2023
Instrument	202353297
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	313 STEEPLE WAY, ROTTERDAM, NY 12306-2549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 BRITTANY PL, NISKAYUNA, NY 12309-2548

Mortgage

Document Number	0000053298
Date	Sep 20, 2023
Instrument	202353298

Lender

Name	METRO CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	6.75%
Max Rate At Change	9%
Index	1-Year T-Bill
Max Rate	9%

June 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 16, 2020
Property Address	313 STEEPLE WAY, SCHENECTADY, NY 12306-2549
Document Number	0000017254
Book / Page	002036 / 000496
Instrument Date	Jun 11, 2020
Instrument	17254
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 30, 2020
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,024.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5 CEPHALONIA DR SCHENECTADY NY 123091248, SCHENECTADY, NY 12309-1248

Mortgage

Document Number	17257
Date	Jun 16, 2020
Book Page	004996/000699
Instrument	17257

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2050

December 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 19, 2018
Property Address	313 STEEPLE WAY, SCHENECTADY, NY 12306-2549
Document Number	0000055464
Book / Page	002002 / 000225
Instrument Date	Oct 26, 2018
Instrument	55464
Transaction Type	Construction Loan
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,552.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2144 DOUBLEDAY AVE BALLSTON SPA NY 120202435, BALLSTON SPA, NY 12020-2435
Investor	Possibly a Property Investor

Mortgage

Document Number	55465
Date	Dec 19, 2018
Book Page	004885/000070
Instrument	55465

Lender

Name	TRADITIONAL BUILDERS LTD
Address	1266 DUANESBURG RD, SCHENECTADY, NY 12306-5805

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 313 Steeple Way was $9,037, 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	$9,037.00 (+1.62%)
2025	$8,893.00	$243,200 Land $26,000 Building $217,200	$374,200 Land $40,005 Building $334,195
2023		$243,200 Land $26,000 Building $217,200	$320,000 Land $34,211 Building $285,789

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

Flood

FEMA maps place 313 Steeple Way 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 313 Steeple Way 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 144 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Steeple Way

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