40 S Westcott Rd, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 40 S Westcott Rd, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,175 sqft · built 1940
Lot Size	0.71 acres (30,928 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Aug 2013)
Deeds & Mortgages	Dec 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`422800 58.18-3-6`

Property Details

APN / Parcel Number

Primary APN	`422800 58.18-3-6`
Alternative APN	`280005801800030060000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,175 sqft Living Area
1st Floor Area	1,175 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	30,928 sqft (0.71 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	234 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	280005801800030060000000
Street Address	40 S WESTCOTT RD
City	SCHENECTADY
State	NY
Zip	12306-9403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	R(S),R,FP,BF,SP 1.A-67-18
Legal Block	3
Legal Lot Number	6.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1010
Census Tract	33002

Owner

40 S Westcott Rd is owned by an individual who bought it in August 2013.

Source: Schenectady County and Rotterdam Town records, as of February 19, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	40 S WESTCOTT RD # 42, 42, SCHENECTADY, NY 12306-9403
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	2 Names on Deed
Last Sale	Aug 7, 2013 · Amount on File
Deed Sale	Aug 7, 2013 · Amount on File
Prior Sale	Jan 2, 2008
Deed Document Number	0001879814
Deed Book / Page	1879 / 814
Record Updated	Jun 7, 2026

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	40 S WESTCOTT RD, SCHENECTADY, NY 12306-9403
Document Number	0000009666
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Mar 25, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40-42 S WESTCOTT RD SCHENECTADY NY 123069403, SCHENECTADY, NY 12306-9403

Mortgage

Document Number	0000009666
Date	Mar 6, 2019
Book Page	004898/000242
Instrument	9666

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town assessment roll, as of May 31, 2023

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	Assessed Value	Assessed Market Value
2023	$152,100 Land $45,300 Building $106,800	$200,100 Land $59,596 Building $140,504

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

Flood

FEMA maps place 40 S Westcott Rd 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 40 S Westcott Rd 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 98 locations within half a mile, as of December 31, 2025

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