Schenectady County and Schenectady City property record for 401 Rosa Rd, Schenectady, NY 12308
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,466 sqft · built 1910 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Aug 2023) |
| Tax Bill | $6,494 (2026) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.37-1-29.1 |
| Primary APN | 421500 40.37-1-29.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,466 sqft Total Area |
| 1st Floor Area | 1,233 sqft |
| 2nd Floor Area | 1,233 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 125 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 450 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 401 ROSA RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-1725 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 51 2 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 29.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20101 |
401 Rosa Rd, a duplex, is owned and occupied by two individuals who bought it in August 2023.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 401 ROSA RD, SCHENECTADY, NY 12308-1725 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2023 · Amount on File |
| Deed Sale | Aug 18, 2023 · Amount on File |
| Prior Sale | Jun 18, 2002 · Amount on File |
| Deed Document Number | 202347026 |
| Deed Book / Page | 2113 / 981 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 18, 2023 |
| Property Address | 401 ROSA RD, SCHENECTADY, NY 12308-1725 |
| Document Number | 0000047026 |
| Book / Page | 2113 / 981 |
| Instrument Date | Jul 19, 2023 |
| Instrument | 202347026 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,320.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 ROSA RD, SCHENECTADY, NY 12308-1725 |
| Name | Verified Name |
|---|---|
| Address | 1543 CHRISLER AVE, SCHENECTADY, NY 12303-1826 |
| Document Number | 0000047027 |
|---|---|
| Date | Aug 18, 2023 |
| Instrument | 202347027 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
The 2026 property tax bill for 401 Rosa Rd was $6,494, up 3.2% from the year before.
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 | $6,494.00 (+3.16%) | ||
| 2025 | $6,295.00 | $109,500 Land $16,400 Building $93,100 | $181,321 Land $27,157 Building $154,164 |
| 2023 | $109,500 (-) Land $16,400 Building $93,100 | $138,608 (+3.8%) Land $20,760 Building $117,848 | |
| 2022 | $109,500 Land $16,400 Building $93,100 | $133,537 Land $20,000 Building $113,537 | |
| 2021 | $5,882.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 401 Rosa Rd 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.
The area around 401 Rosa Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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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