Schenectady County and Rotterdam Town property record for 46 Esther St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,658 sqft · built 2005 |
| Lot Size | 3.11 acres (135,472 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $436,000 (Aug 2026) |
| Tax Bill | $8,926 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.5-8-14.142 |
| Primary APN | 422800 59.5-8-14.142 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,658 sqft Living Area |
| 1st Floor Area | 1,658 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 135,472 sqft (3.11 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 50 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 46 ESTHER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-3811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Block | 8 |
| Legal Lot Number | 14.142 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 33300 |
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 | 36 MABBETT ST, MECHANICVILLE, NY 12118-1517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2026 · Amount on File |
| Deed Sale | Aug 14, 2026 · Amount on File |
| Prior Sale | Jun 25, 2012 · Amount on File |
| Deed Document Number | 202618147 |
| Deed Book / Page | 2177 / 746 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 14, 2026 |
| Property Address | 46 ESTHER ST, SCHENECTADY, NY 12303-3811 |
| Document Number | 0000018147 |
| Book / Page | 2177 / 746 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202618147 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $176,144.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 36 MABBETT ST, MECHANICVILLE, NY 12118-1517 |
| Document Number | 0000018149, |
|---|---|
| Date | Aug 14, 2026 |
| Instrument | 202618149 |
| Name | TRUSTCO BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 7, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $8,926.00 (+1.92%) Homeowner's exemption | ||
| 2025 | $8,758.00 | $239,000 (-) Land $33,900 Building $205,100 | $367,700 (+16.92%) Land $52,155 Building $315,545 |
| 2023 | $239,000 Land $33,900 Building $205,100 | $314,500 Land $44,609 Building $269,891 |
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 94% of the US · lower than 91% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
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 532 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 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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