Schenectady County and Schenectady City property record for 101 Prospect St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,924 sqft · built 2018 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $214,000 (Jul 2026) |
| Tax Bill | $4,223 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.82-2-76.1 |
| Primary APN | 421500 39.82-2-76.1 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,924 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| 2nd Floor Area | 832 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 87 ft deep x 60 ft wide |
| Porch | Slab |
| Porch Area | 184 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 101 PROSPECT ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-3127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 2 |
| Legal Lot Number | 76.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20800 |
Source: Schenectady County and Schenectady City records, as of July 20, 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 | 924 FENWORTH BLVD, FRANKLIN SQUARE, NY 11010-2331 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Jul 7, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage M & T BANK NA |
| Nov 26, 2019 | Bargain and Sale Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2026 · Amount on Record |
| Deed Sale | Jul 7, 2026 · Amount on Record |
| Prior Sale | May 11, 2001 · Amount on Record |
| Deed Document Number | 202615256 |
| Deed Book / Page | 2175 / 217 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 7, 2026 |
| Property Address | 101 PROSPECT ST, SCHENECTADY, NY 12308-3127 |
| Document Number | 0000015256 |
| Book / Page | 2175 / 217 |
| Instrument Date | May 27, 2026 |
| Instrument | 202615256 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2026 |
| Title Company | JUDICIAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $86,456.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 924 FENWORTH BLVD, FRANKLIN SQUARE, NY 11010-2331 |
| Document Number | 0000015257, |
|---|---|
| Date | Jul 7, 2026 |
| Instrument | 202615257 |
| Name | M & T BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 26, 2019 |
| Property Address | 101 PROSPECT ST, SCHENECTADY, NY 12308-3127 |
| Document Number | 0000053333 |
| Book / Page | 2025 / 487 |
| Instrument Date | Nov 4, 2019 |
| Instrument | 201953333 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 433 STATE ST, 433, SCHENECTADY, NY 12305-2322 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 438 CHESTNUT WAY, NEW CUMBERLAND, PA 17070-2733 |
| Document Number | 0000053334 |
|---|---|
| Date | Nov 26, 2019 |
| Instrument | 201953334 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,223.00 (-58.31%) | $142,200 (-) Land $9,400 Building $132,800 | $235,469 (+30.82%) Land $15,565 Building $219,904 |
| 2023 | $142,200 (-) Land $9,400 Building $132,800 | $180,000 (+3.8%) Land $11,899 Building $168,101 | |
| 2022 | $142,200 Land $9,400 Building $132,800 | $173,415 Land $11,463 Building $161,952 | |
| 2021 | $10,129.00 |
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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) 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 461 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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