Schenectady County and Schenectady City property record for 405 Rosa Rd, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,820 sqft · built 1930 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $314,000 (Aug 2026) |
| Tax Bill | $7,197 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.37-1-28 |
| Primary APN | 421500 40.37-1-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,820 sqft Living Area |
| 1st Floor Area | 910 sqft |
| 2nd Floor Area | 910 sqft |
| Basement Area | 364 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,000 sqft (0.229 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 702 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 4215004037128 |
|---|---|
| Street Address | 405 ROSA RD |
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-1725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 05 - COMME |
| Legal Description | 52 2 WOOD |
| Legal Subdivision | MAP OF PINE HILLS SCHENETADY N Y |
| Legal Block | 1 |
| Legal Lot Number | 28.00 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20101 |
Source: Schenectady County and Schenectady City records, as of September 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 405 ROSA RD, SCHENECTADY, NY 12308-1725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2026 | Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Aug 6, 2020 | Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2026 · Amount on Record |
| Deed Sale | Aug 25, 2026 · Amount on Record |
| Prior Sale | Aug 6, 2020 · Amount on Record |
| Deed Document Number | 202618887 |
| Deed Book / Page | 2178 / 362 |
| Prior Transfer Date | Jul 13, 2026 |
| Prior Transfer Doc | 0000018887 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 25, 2026 |
| Property Address | 405 ROSA RD, SCHENECTADY, NY 12308-1725 |
| Document Number | 0000018887 |
| Book / Page | 2178 / 362 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 202618887 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $126,856.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 ROSA RD, SCHENECTADY, NY 12308-1725 |
| Document Number | 0000018888, |
|---|---|
| Date | Aug 25, 2026 |
| Instrument | 202618888 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 6, 2020 |
| Property Address | 405 ROSA RD, SCHENECTADY, NY 12308-1725 |
| Document Number | 0000022911 |
| Book / Page | 2039 / 247 |
| Instrument Date | Jul 17, 2020 |
| Instrument | 202022911 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $736.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 ROSA RD, 405, SCHENECTADY, NY 12308-1725 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 64 MCCLELLAN ST, SCHENECTADY, NY 12304-1126 |
| Document Number | 0000022912 |
|---|---|
| Date | Aug 6, 2020 |
| Instrument | 202022912 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
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 |
|---|---|---|---|
| 2025 | $7,197.00 (+4.32%) | $145,600 (-) Land $21,800 Building $123,800 | $241,100 (+30.82%) Land $36,099 Building $205,001 |
| 2023 | $145,600 (-) Land $21,800 Building $123,800 | $184,304 (+3.8%) Land $27,595 Building $156,709 | |
| 2022 | $145,600 Land $21,800 Building $123,800 | $177,561 Land $26,585 Building $150,976 | |
| 2021 | $6,899.00 |
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 | 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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