Schenectady County and Rotterdam Town property record for 654 Draper Ave, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,176 sqft · built 1930 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $116,500 (Apr 2018) |
| Tax Bill | $3,705 (2026) |
| Deeds & Mortgages | Jun 2021 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.19-10-10 |
| Primary APN | 422800 48.19-10-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Upper Floors Area | 504 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 125 ft deep x 33 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 271 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 654 DRAPER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,ENCPR,HSF CENTR RLTY #3-76 2.-124-7 |
| Legal Subdivision | TJE CENTRAL REALTY COMPANY |
| Legal Block | 10 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 32700 |
654 Draper Ave is owned and occupied by an individual who bought it in April 2018.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 654 DRAPER AVE, SCHENECTADY, NY 12306-3014 |
| 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.
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Nov 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK CU |
| Apr 26, 2018 | Warranty Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 26, 2018 · Amount on File |
| Deed Sale | Apr 26, 2018 · Amount on File |
| Prior Sale | Mar 29, 2007 · Amount on File |
| Deed Document Number | 201817644 |
| Deed Book / Page | 1985 / 815 |
| Prior Transfer Date | Sep 14, 2006 |
| Prior Transfer Doc | 0017450481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 654 DRAPER AVE, SCHENECTADY, NY 12306-3014 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 654 DRAPER AVE, ROTTERDAM, NY 12306-3014 |
| Document Number | 0000025355 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 5105/142 |
| Instrument | 202125355 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 25, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 654 DRAPER AVE, SCHENECTADY, NY 12306-3014 |
| Document Number | 0000039915 |
| Instrument Date | Nov 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 654 DRAPER AVE ROTTERDAM NY 123063014, ROTTERDAM, NY 12306-3014 |
| Document Number | 0000039915 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 005050/000730 |
| Instrument | 39915 |
| Name | SUNMARK CU |
|---|---|
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 14, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 26, 2018 |
| Property Address | 654 DRAPER AVE, SCHENECTADY, NY 12306-3014 |
| Document Number | 0000017644 |
| Book / Page | 1985 / 815 |
| Instrument Date | Apr 19, 2018 |
| Instrument | 201817644 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $466.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 654 DRAPER AVE, 654, SCHENECTADY, NY 12306-3014 |
| Name | Verified Name |
|---|---|
| Address | 930 ALBANY ST, SCHENECTADY, NY 12307-1514 |
| Document Number | 0000017646 |
|---|---|
| Date | Apr 26, 2018 |
| Instrument | 201817646 |
| Name | PREMIUM MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2026 property tax bill for 654 Draper Ave was $3,705, 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 | $3,705.00 (+1.93%) | ||
| 2025 | $3,635.00 | $99,200 Land $5,400 Building $93,800 | $152,600 Land $8,307 Building $144,293 |
| 2023 | $99,200 Land $5,400 Building $93,800 | $130,500 Land $7,104 Building $123,396 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 654 Draper 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.
The area around 654 Draper Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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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