Schenectady County and Rotterdam Town property record for 981 River Rd, Schenectady, NY 12306
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,634 sqft · built 1924 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on File |
| Last Sale | $127,046 (Apr 2006) |
| Tax Bill | $5,709 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 20.18-2-1 |
| Primary APN | 422800 20.18-2-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,634 sqft Total Area |
| 1st Floor Area | 1,380 sqft |
| 2nd Floor Area | 1,254 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 150 ft deep x 57 ft wide |
| Garage Type | Mixed |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 675 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 981 RIVER RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-6507 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | B-1 |
| Legal Description | R,G,APT,ENCPR,CRP 1.-4-11 |
| Legal Block | 2 |
| Legal Lot Number | 1.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 32602 |
Source: Schenectady County and Rotterdam Town records · APN 422800 20.18-2-1
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1739 ALTAMONT AVE, SCHENECTADY, NY 12303-2105 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jan 28, 2022 | Deed of Trust, Mortgage SUNMARK FCU |
| Jan 28, 2022 | Deed of Trust, Mortgage · Commercial Mortgage SUNMARK FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 06, 2006 · Amount on Record |
| Deed Sale | Apr 06, 2006 · Amount on Record |
| Deed Book / Page | 1731 / 239 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 981 RIVER RD, SCHENECTADY, NY 12306-6507 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | MARATHON TITLE AGENCY INC, MARATHON TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1739 ALTAMONT AVE, SCHENECTADY, NY 12303-2105 |
| Document Number | 0000004825 |
|---|---|
| Date | Jan 28, 2022 |
| Book Page | 5195/474 |
| Instrument | 202204825 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jan 15, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 981 RIVER RD, SCHENECTADY, NY 12306-6507 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | MARATHON TITLE AGENCY INC, MARATHON TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1739 ALTAMONT AVE, SCHENECTADY, NY 12303-2105 |
| Document Number | 0000004826 |
|---|---|
| Date | Jan 28, 2022 |
| Book Page | 5195/485 |
| Instrument | 202204826 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Schalmont Central School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,709.00 | $140,000 (-) Land $5,000 Building $135,000 | $215,400 (+16.94%) Land $7,693 Building $207,707 |
| 2023 | $140,000 Land $5,000 Building $135,000 | $184,200 Land $6,579 Building $177,621 |
Source: FEMA National Flood Hazard Layer as of January 7, 2014 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 31 (1996–2026) |
| Claims Outside the SFHA | 12 of 31 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile USA.
Based on FCC filings for 63 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ROTTERDAM WD #3 serves 1,900 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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