412 Steeple Way, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 412 Steeple Way, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,924 sqft · built 2012
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$283,000 (Nov 2012)
Tax Bill	$11,106 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 70.-3-51`

Property Details

APN / Parcel Number

Primary APN	`422800 70.-3-51`
Alternative APN	`280007000000030510000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,924 sqft Living Area
1st Floor Area	841 sqft
2nd Floor Area	843 sqft
Upper Floors Area	240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	572 sqft
Porch	Slab
Porch Area	93 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	412 STEEPLE WAY
City	SCHENECTADY
State	NY
Zip	12306-2556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Subdivision	HELDERBERG MEADOWS
Legal Block	3
Legal Lot Number	51.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1034
Census Tract	33002

Owner

412 Steeple Way is owned and occupied by two individuals who bought it in November 2012.

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	412 STEEPLE WAY, SCHENECTADY, NY 12306-2556
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEFCU
Jul 30, 2020	Loan Modification, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2012 · Amount on File
Deed Sale	Nov 2, 2012 · Amount on File
Deed Document Number	201248058
Deed Book / Page	1864 / 697
Prior Transfer Date	Aug 16, 2010
Prior Transfer Doc	0000036551
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	412 STEEPLE WAY, SCHENECTADY, NY 12306-2556
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 STEEPLE WAY, SCHENECTADY, NY 12306-2556

Mortgage

Document Number	0000049608
Date	Aug 31, 2023
Book Page	5327/440
Instrument	202349608

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 30, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	412 STEEPLE WAY, SCHENECTADY, NY 12306-2556
Document Number	0000034846
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Nov 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 STEEPLE WAY SCHENECTADY NY 123062556, SCHENECTADY, NY 12306-2556

Mortgage

Document Number	0000034846
Date	Nov 10, 2020
Book Page	005038/000519
Instrument	34846

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 9, 2040

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	412 STEEPLE WAY, SCHENECTADY, NY 12306-2556
Document Number	0000034848
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Nov 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 STEEPLE WAY SCHENECTADY NY 123062556, SCHENECTADY, NY 12306-2556

Mortgage

Document Number	0000034848
Date	Nov 10, 2020
Book Page	005038/000533
Instrument	34848

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 9, 2040

Interest

Rate Type	Fixed Rate
Rate	3.12%

Tax Assessment & Valuation

The 2026 property tax bill for 412 Steeple Way was $11,106 with a homeowner's exemption, up 1.6% from the year before.

Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026

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	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,106.00 (+1.61%) Homeowner's exemption
2025	$10,930.00	$298,900 Land $19,000 Building $279,900	$459,800 Land $29,228 Building $430,572
2023		$283,000 Land $19,000 Building $264,000	$372,400 Land $25,002 Building $347,398

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

Flood

FEMA maps place 412 Steeple Way 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 412 Steeple Way 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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