1021 Howard St, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 1021 Howard St, Schenectady, NY 12303 · Last verified August 2026

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,296 sqft · built 1900
Lot Size	0.108 acres (4,725 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Dec 2022)
Tax Bill	$5,977 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.47-4-25`

Property Details

APN / Parcel Number

Primary APN	`421500 49.47-4-25`
Alternative APN	`150004904700040250000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,296 sqft Total Area
1st Floor Area	1,148 sqft
2nd Floor Area	1,148 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,725 sqft (0.108 acres)
Lot Dimensions	135 ft deep x 35 ft wide
Porch	Slab
Porch Area	608 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1021 HOWARD ST
City	SCHENECTADY
State	NY
Zip	12303-1121
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	2 WOOD
Legal Block	4
Legal Lot Number	25.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1009
Census Tract	21400

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.47-4-25

Assessment roll updated April 14, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	432 E 181ST ST, BRONX, NY 10457-2409
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 13, 2022 · Amount on Record
Deed Sale	Dec 13, 2022 · Amount on Record
Prior Sale	May 17, 2007 · Amount on Record
Deed Document Number	202265776
Deed Book / Page	2099 / 241
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 13, 2022
Property Address	1021 HOWARD ST, SCHENECTADY, NY 12303-1121
Document Number	0000065776
Book / Page	2099 / 241
Map Reference	CAB B148
Instrument Date	Dec 09, 2022
Instrument	202265776
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	242 WAGNER RD, GLENVILLE, NY 12302-6620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 E 181ST ST, BRONX, NY 10457-2409

Mortgage

Document Number	0000065777
Date	Dec 13, 2022
Instrument	202265777

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,977.00 (+20.41%)	$102,900 (-) Land $15,400 Building $87,500	$170,392 (+30.82%) Land $25,501 Building $144,891
2023		$102,900 (-) Land $15,400 Building $87,500	$130,253 (+3.8%) Land $19,494 Building $110,759
2022		$102,900 Land $15,400 Building $87,500	$125,488 Land $18,781 Building $106,707
2021	$4,964.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.