Schenectady County and Rotterdam Town property record for 446 Duglin Ave, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,471 sqft · built 1955 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $96,200 (May 2003) |
| Tax Bill | $6,521 (2026) |
| Deeds & Mortgages | Aug 2023 Line of Credit May 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.13-2-17 |
| Primary APN | 422800 59.13-2-17 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,471 sqft Living Area |
| 1st Floor Area | 998 sqft |
| Upper Floors Area | 473 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 40 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 446 DUGLIN AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-4004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,STG,ADD DUGLIN - 34, PT 35 3.-201-14 |
| Legal Block | 2 |
| Legal Lot Number | 17.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 33003 |
446 Duglin Ave is owned and occupied by two individuals who bought it in May 2003.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 446 DUGLIN AVE, SCHENECTADY, NY 12303-4004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 9, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| May 10, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Nov 6, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2003 · Amount on File |
| Deed Sale | May 27, 2003 · Amount on File |
| Prior Sale | Oct 31, 1995 · Amount on File |
| Deed Book / Page | 1651 / 725 |
| Prior Transfer Date | May 21, 2003 |
| Prior Transfer Doc | 1651000725 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 446 DUGLIN AVE, SCHENECTADY, NY 12303-4004 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000044959 |
|---|---|
| Date | Aug 9, 2023 |
| Book Page | 5321/940 |
| Instrument | 202344959 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 8, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 446 DUGLIN AVE, SCHENECTADY, NY 12303-4004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000020755 |
|---|---|
| Date | May 10, 2017 |
| Book Page | 4759/519 |
| Instrument | 201720755 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 9, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 446 DUGLIN AVE, SCHENECTADY, NY 12303-4004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000050461 |
|---|---|
| Date | Nov 6, 2019 |
| Book Page | 4951/621 |
| Instrument | 201950461 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 5, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 446 Duglin Ave was $6,521 with a homeowner's exemption, up 1.9% from the year before.
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 |
|---|---|---|---|
| 2026 | $6,521.00 (+1.92%) Homeowner's exemption | ||
| 2025 | $6,398.00 | $174,600 Land $7,200 Building $167,400 | $268,600 Land $11,076 Building $257,524 |
| 2023 | $174,600 Land $7,200 Building $167,400 | $229,700 Land $9,472 Building $220,228 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 446 Duglin Ave 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.
Wildfire risk around 446 Duglin Ave 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 | 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 407 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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