Schenectady County and Rotterdam Town property record for 7 Palm St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 824 sqft · built 1947 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $139,000 (Jul 2019) |
| Tax Bill | $4,764 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 58.12-5-28 |
| Primary APN | 422800 58.12-5-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 824 sqft Living Area |
| 1st Floor Area | 824 sqft |
| Upper Floors Area | 268 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 215 ft deep x 40 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 7 PALM ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B-2 |
| Legal Description | R,G,PT SENIOR AFFIDAVIT REQUIRE DMLND PT 739-44/6.-431-15 |
| Legal Block | 5 |
| Legal Lot Number | 28.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 33004 |
Source: Schenectady County and Rotterdam Town records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 7 PALM ST, SCHENECTADY, NY 12306-3605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 5, 2019 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2019 · Amount on Record |
| Deed Sale | Jul 5, 2019 · Amount on Record |
| Deed Document Number | 201930260 |
| Deed Book / Page | 2014 / 815 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 7 PALM ST, SCHENECTADY, NY 12306-3605 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 7 PALM ST, SCHENECTADY, NY 12306-3605 |
| Document Number | 0000051241 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 5157/1 |
| Instrument | 202151241 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Aug 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 7 PALM ST, SCHENECTADY, NY 12306-3605 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 7 PALM ST, SCHENECTADY, NY 12306-3605 |
| Document Number | 0000035727 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 5041/192 |
| Instrument | 202035727 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 297 Months |
| Due | Aug 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 5, 2019 |
| Property Address | 7 PALM ST, SCHENECTADY, NY 12306-3605 |
| Document Number | 0000030260 |
| Book / Page | 002014 / 000815 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 30260 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2019 |
| Title Company | A AND G TITLE AND SETTLEMENT SERVICES, A & G TITLE & SETTLEMENT SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $556.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2150 ROSA RD #696 SCHENECTADY NY 123093737, 696, SCHENECTADY, NY 12309-3737 |
| Document Number | 30261 |
|---|---|
| Date | Jul 5, 2019 |
| Book Page | 004922/000132 |
| Instrument | 30261 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 4, 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 |
|---|---|---|---|
| 2025 | $4,764.00 | $130,000 (-) Land $7,800 Building $122,200 | $200,000 (+16.89%) Land $12,000 Building $188,000 |
| 2023 | $130,000 Land $7,800 Building $122,200 | $171,100 Land $10,266 Building $160,834 |
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 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.
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 501 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 |
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