906 Adams St, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 906 Adams St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,794 sqft · built 1940
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$85,200 (Mar 1994)
Tax Bill	$5,528 (2026)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 48.19-16-24`

Property Details

APN / Parcel Number

Primary APN	`422800 48.19-16-24`
Alternative APN	`280004801900160240000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,794 sqft Living Area
1st Floor Area	897 sqft
2nd Floor Area	897 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	140 ft deep x 38 ft wide

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	20 sqft
Porch	Slab
Porch Area	220 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	906 ADAMS ST
City	SCHENECTADY
State	NY
Zip	12306-3038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,2STY,FP,HBF ADAMS-70,PT69 2.-115-14
Legal Subdivision	MAP OF LOTS BELONGING TO G H ADAMS
Legal Block	16
Legal Lot Number	24.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	3
Census Block	3024
Census Tract	32700

Owner

906 Adams St is owned and occupied by two individuals who bought it in March 1994.

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	906 ADAMS ST, SCHENECTADY, NY 12306-3038
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 1994 · Amount on File
Deed Sale	Mar 11, 1994 · Amount on File
Deed Book / Page	1413 / 50
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	906 ADAMS ST, SCHENECTADY, NY 12306-3038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 ADAMS ST, SCHENECTADY, NY 12306-3038

Mortgage

Document Number	0000038796
Date	Dec 8, 2020
Book Page	5048/79
Instrument	202038796

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	253 Months
Due	Jan 1, 2042

Tax Assessment & Valuation

The 2026 property tax bill for 906 Adams St was $5,528 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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,528.00 (+1.92%) Homeowner's exemption
2025	$5,424.00	$148,000 Land $7,200 Building $140,800	$227,700 Land $11,077 Building $216,623
2023		$148,000 Land $7,200 Building $140,800	$194,700 Land $9,472 Building $185,228

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 906 Adams St 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

The area around 906 Adams St 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 701 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