966 Adams St, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 966 Adams St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,486 sqft · built 1930
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Nov 2021)
Tax Bill	$5,304 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 48.19-16-31`

Property Details

APN / Parcel Number

Primary APN	`422800 48.19-16-31`
Alternative APN	`280004801900160310000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,486 sqft Living Area
1st Floor Area	915 sqft
2nd Floor Area	450 sqft
Upper Floors Area	121 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	182 ft deep x 106 ft wide
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	150 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	966 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,G2 ADAMS 85,86 2.-116-3.9
Legal Subdivision	G H ADAMS IN BELLEVUE
Legal Block	16
Legal Lot Number	31.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	3
Census Block	3024
Census Tract	32700

Owner

966 Adams St is owned and occupied by an individual who bought it in November 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	966 ADAMS ST, SCHENECTADY, NY 12306-3038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2021 · Amount on File
Deed Sale	Nov 16, 2021 · Amount on File
Prior Sale	Oct 20, 2016 · Amount on File
Deed Document Number	202157558
Deed Book / Page	2071 / 567
Prior Transfer Date	Apr 30, 2009
Prior Transfer Doc	0000020485
Record Updated	Oct 29, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 16, 2021
Property Address	966 ADAMS ST, SCHENECTADY, NY 12306-3038
Document Number	0000057558
Book / Page	2071 / 567
Instrument Date	Nov 4, 2021
Instrument	202157558
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	966 ADAMS ST, 966, ROTTERDAM, NY 12306-3038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53D FRIARS GATE, HALFMOON, NY 12065-4144

Mortgage

Document Number	0000057559
Date	Nov 16, 2021
Instrument	202157559

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 966 Adams St was $5,304, 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	$5,304.00 (+1.92%)
2025	$5,204.00	$142,000 Land $26,400 Building $115,600	$218,500 Land $40,623 Building $177,877
2023		$142,000 Land $26,400 Building $115,600	$186,800 Land $34,729 Building $152,071

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

Flood

FEMA maps place 966 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 966 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