Schenectady County and Rotterdam Town property record for 40 Willow St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,144 sqft · built 1938 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $141,000 (Feb 2021) |
| Tax Bill | $4,654 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 58.8-10-14 |
| Primary APN | 422800 58.8-10-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 844 sqft |
| Upper Floors Area | 300 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 110 ft deep x 26 ft wide |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 40 WILLOW ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 183 R,G CURRY RD GAR 6.-411-13 |
| Legal Block | 10 |
| Legal Lot Number | 14.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 33004 |
Source: Schenectady County and Rotterdam Town records, as of April 14, 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 | 40 WILLOW ST, SCHENECTADY, NY 12306-3648 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 17, 2021 · Amount on Record |
| Deed Sale | Feb 17, 2021 · Amount on Record |
| Deed Document Number | 20216244 |
| Deed Book / Page | 2052 / 330 |
| Prior Transfer Date | Oct 19, 2016 |
| Prior Transfer Doc | 0000049995 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 17, 2021 |
| Property Address | 40 WILLOW ST, SCHENECTADY, NY 12306-3648 |
| Document Number | 0000006244 |
| Book / Page | 2052 / 330 |
| Instrument Date | Feb 8, 2021 |
| Instrument | 202106244 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $564.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 141 SPANISH OAK CIR, 141, LAKE JACKSON, TX 77566-3779 |
| Name | Verified Name |
|---|---|
| Address | 2720 BARTON AVE, SCHENECTADY, NY 12306-4312 |
| Document Number | 0000006245 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 202106245 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
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 | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,654.00 | $127,000 (-) Land $2,700 Building $124,300 | $195,400 (+16.94%) Land $4,154 Building $191,246 |
| 2023 | $127,000 Land $2,700 Building $124,300 | $167,100 Land $3,553 Building $163,547 |
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 | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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 501 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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