Schenectady County and Rotterdam Town property record for 38 Rotterdam St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,304 sqft · built 1945 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Apr 2026) |
| Tax Bill | $6,139 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.14-2-10.1 |
| Primary APN | 422800 48.14-2-10.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| 1st Floor Area | 1,016 sqft |
| Upper Floors Area | 288 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 400 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 38 ROTTERDAM ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-1522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,ADD TURNBULL - 77 6.-482-11 |
| Legal Block | 2 |
| Legal Lot Number | 10.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 32700 |
38 Rotterdam St is owned and occupied by two individuals who bought it in April 2026.
Source: Schenectady County and Rotterdam Town records, as of September 23, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 43 WILLOW LN, DELANSON, NY 12053-2150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage BAY VIEW FEDERAL CREDIT UNION |
| Apr 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2026 · Amount on File |
| Deed Sale | Apr 15, 2026 · Amount on File |
| Prior Sale | Aug 23, 2023 · Amount on File |
| Deed Document Number | 20268568 |
| Deed Book / Page | 2170 / 434 |
| Prior Transfer Date | Jun 16, 2015 |
| Prior Transfer Doc | 0000029634 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 15, 2026 |
| Property Address | 38 ROTTERDAM ST, SCHENECTADY, NY 12306-1522 |
| Document Number | 0000008568 |
| Book / Page | 2170 / 434 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 20268568 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | DEANGELUS GROUP PLLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $127,260.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 43 WILLOW LN, DELANSON, NY 12053-2150 |
| Document Number | 0000008569, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 20268569 |
| Name | BAY VIEW FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 1, 2026 |
| Property Address | 38 ROTTERDAM ST, SCHENECTADY, NY 12306-1522 |
| Document Number | 0000007420 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 20267420 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | AMERICAN LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 38 ROTTERDAM ST, SCHENECTADY, NY 12306-1522 |
| Document Number | 0000007420, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 20267420 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.88% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 38 Rotterdam St was $6,139 with a veteran's exemption, down 7.5% 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 | $6,139.00 (-7.46%) Veteran's exemption | ||
| 2025 | $6,634.00 | $175,000 Land $10,200 Building $164,800 | $269,200 Land $15,691 Building $253,509 |
| 2023 | $175,000 Land $10,200 Building $164,800 | $230,300 Land $13,423 Building $216,877 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Rotterdam St 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 38 Rotterdam St 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 | None beyond 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 | 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 341 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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