Schenectady County and Rotterdam Town property record for 631 Draper Ave, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,983 sqft · built 1923 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $175,000 (Aug 2019) |
| Tax Bill | $6,275 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.19-11-31 |
| Primary APN | 422800 48.19-11-31 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,983 sqft Living Area |
| 1st Floor Area | 1,119 sqft |
| 2nd Floor Area | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 137 ft deep x 70 ft wide |
| Garage Type | Mixed |
| Garage Area | 494 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 375 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 631 DRAPER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,G-REAR,2STY,BF,FP CENTR RLTY #2 - 53,54 2.-117-17.9 |
| Legal Block | 11 |
| Legal Lot Number | 31.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 32700 |
Source: Schenectady County and Rotterdam Town records, as of September 23, 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 | 631 DRAPER AVE, SCHENECTADY, NY 12306-3040 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2025 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Aug 28, 2019 | Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2019 · Amount on Record |
| Deed Sale | Aug 28, 2019 · Amount on Record |
| Deed Document Number | 201938538 |
| Deed Book / Page | 2018 / 612 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 631 DRAPER AVE, SCHENECTADY, NY 12306-3040 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 631 DRAPER AVE, SCHENECTADY, NY 12306-3040 |
| Document Number | 0000021629 |
|---|---|
| Date | Sep 11, 2025 |
| Instrument | 202521629 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Aug 25, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 631 DRAPER AVE, SCHENECTADY, NY 12306-3040 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 631 DRAPER AVE, SCHENECTADY, NY 12306-3040 |
| Document Number | 0000033869 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 5121/548 |
| Instrument | 202133869 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 28, 2019 |
| Property Address | 631 DRAPER AVE, SCHENECTADY, NY 12306-3040 |
| Document Number | 0000038538 |
| Book / Page | 2018 / 612 |
| Instrument Date | Aug 26, 2019 |
| Instrument | 201938538 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 VINCENZO CT, 15, ALBANY, NY 12203-5803 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 650 MAIN ST, GLENS FALLS, NY 12801 |
| Document Number | 0000038541 |
|---|---|
| Date | Aug 28, 2019 |
| Instrument | 201938541 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
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 | $6,275.00 (+1.93%) | ||
| 2025 | $6,156.00 | $168,000 (-) Land $13,200 Building $154,800 | $258,500 (+16.92%) Land $20,311 Building $238,189 |
| 2023 | $168,000 Land $13,200 Building $154,800 | $221,100 Land $17,372 Building $203,728 |
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 | 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 823 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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