923 Shardon Ct, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 923 Shardon Ct, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,019 sqft · built 1999
Lot Size	1.18 acres (51,401 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Aug 2026)
Tax Bill	$13,702 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 57.20-1-8`

Property Details

APN / Parcel Number

Primary APN	`422800 57.20-1-8`
Alternative APN	`280005702000010080000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,019 sqft Living Area
1st Floor Area	1,946 sqft
2nd Floor Area	1,073 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	51,401 sqft (1.18 acres)
Garage Type	Attached
Garage Area	617 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	219 sqft
Shed	1 Shed
Gazebo	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	422800572018
Street Address	923 SHARDON CT
City	SCHENECTADY
State	NY
Zip	12306-6719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Subdivision	MASICK SUBDIVISION PLAT
Legal Block	1
Legal Lot Number	8.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1005
Census Tract	32601

Owner

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	136 COUNTRY WALK RD, SCHENECTADY, NY 12306-6709
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Jul 28, 2022	Deed of Trust, Mortgage · Line of Credit SUNMARK FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2026 · Amount on Record
Deed Sale	Aug 26, 2026 · Amount on Record
Prior Sale	Sep 8, 2009 · Amount on Record
Deed Document Number	202619010
Deed Book / Page	2178 / 447
Prior Transfer Date	May 27, 2009
Prior Transfer Doc	0000020829
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 26, 2026
Property Address	923 SHARDON CT, SCHENECTADY, NY 12306-6719
Document Number	0000019010
Book / Page	2178 / 447
Instrument Date	Aug 3, 2026
Instrument	202619010
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	SHERIDAN ABS, SHERIDAN ABSTRACT CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$323,200.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	136 COUNTRY WALK RD, SCHENECTADY, NY 12306-6709

Mortgage

Document Number	0000019011,
Date	Aug 26, 2026
Instrument	202619011

Lender

Name	TRUSTCO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 7, 2026
Property Address	923 SHARDON CT, SCHENECTADY, NY 12306-6719
Document Number	0000015370
Instrument Date	Jun 24, 2026
Instrument	202615370
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 SHARDON CT, SCHENECTADY, NY 12306-6719

Mortgage

Document Number	0000015370,
Date	Jul 7, 2026
Instrument	202615370

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	923 SHARDON CT, SCHENECTADY, NY 12306-6719
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 SHARDON CT, ROTTERDAM, NY 12306-6719

Mortgage

Document Number	0000039848
Date	Jul 28, 2022
Book Page	5244/965
Instrument	202239848

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	Schalmont Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,702.00 (-7.23%)
2025	$14,770.00	$368,300 (-) Land $76,400 Building $291,900	$566,600 (+16.92%) Land $117,535 Building $449,065
2023		$368,300 Land $76,400 Building $291,900	$484,600 Land $100,525 Building $384,075

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	7 (1999–2011)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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	None beyond 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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