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1025 Howard St, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 1025 Howard St, Schenectady, NY 12303 · Last verified July 2026

Property Highlights

Property TypeResidential > Multi-Unit > Duplex
Bedrooms6 Beds
Bathrooms2 Baths
Year BuiltBuilt 1900
Square Footage2,348 sqft Total Area
Lot Size4,725 sqft (0.108 acres)
OccupancyOwner Occupied
Last Sale$120,000 (2019)
Tax Bill$5,478.00 (2025)

Property Details

APN / Parcel Number

Primary APN421500 49.47-4-24
Alternative APN
  • 150004904700040240000000

Interior

Bedrooms6 Beds
Full Baths2 Baths
Total Rooms12 Rooms
Building Area2,348 sqft Total Area
1st Floor1,174 sqft 1st Floor
2nd Floor1,174 sqft 2nd Floor
Stories2 Stories

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleTraditional Style
Exterior MaterialAluminum/Vinyl Exterior
Lot Area4,725 sqft (0.108 acres)
Depth X Width135 ft x 35 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeDetached Garage
Garage Area360 sqft Garage
Porch Area326 sqft Porch

Utilities and HVAC

Heating SystemHot Water Heating
Heating FuelGas Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address1025 HOWARD ST
CitySCHENECTADY
StateNY
Zip12303-1121
Property UsageResidential Property Usage
TypeResidential > Multi-Unit > Duplex
Legal Description2 WOOD AND GARAGE 000550521 40,000
Legal SubdivisionPENNY ESTATE
Legal Block4
Legal Lot Number24.000
JurisdictionSCHENECTADY NY
Minor Civil DivisionSCHENECTADY
Census Blockgroup1
Census Block1009
Census Tract21400

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.47-4-24

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 Record2 Individual Names on File
Mailing Address1025 HOWARD ST, SCHENECTADY, NY 12303-1121
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 15, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
NATIONSTAR MORTGAGE LLC
Oct 29, 2025Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
RELIANCE FIRST CAPITAL LLC
Oct 24, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
SUNMARK FCU
Jun 21, 2017Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage
TRUSTCO BK
Jun 14, 2017Deed of Trust, Mortgage · Conventional Mortgage
TRUSTCO BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 24, 2019 · Amount on Record
Deed SaleOct 24, 2019 · Amount on Record
Prior SaleApr 09, 2001 · Amount on Record
Deed Doc Number201948497
Deed Book / Page2022 / 734
Prior Transfer DateOct 18, 2019
Prior Transfer Doc0000048497
Record RefreshedSep 20, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address1025 HOWARD ST, SCHENECTADY, NY 12303-1121
Transaction TypeMortgage
Record UpdatedApr 14, 2026
Title CompanyCOVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1025 HOWARD ST, SCHENECTADY, NY 12303-1121

Mortgage

Document Number0000057159
DateNov 15, 2021
Book Page5167/472
Instrument202157159
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressMADISON HEIGHTS, MI 48071
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2051

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address1025 HOWARD ST, SCHENECTADY, NY 12303-1121
Transaction TypeMortgage
Record UpdatedApr 14, 2026
Title CompanyTIMIOS INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1025 HOWARD ST, SCHENECTADY, NY 12303-1121

Mortgage

Document Number0000025642
DateOct 29, 2025
Instrument202525642
Lender
NameRELIANCE FIRST CAPITAL LLC
TypeMortgage Company
AddressMELVILLE, NY 11747
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term301 Months
DueNov 01, 2050

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateOct 24, 2019
Property Address1025 HOWARD ST, SCHENECTADY, NY 12303-1121
Document Number0000048497
Book / Page2022 / 734
Instrument DateOct 18, 2019
Instrument201948497
Transaction TypeTransfer
Record UpdatedMay 10, 2022
Title CompanyMARKET TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$480.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1027 HOWARD ST, 1027, SCHENECTADY, NY 12303-1121

Transferred To (Grantee/Buyer)

NameVerified Name
Address1025 HOWARD ST, SCHENECTADY, NY 12303-1121

Mortgage

Document Number0000048498
DateOct 24, 2019
Instrument201948498
Lender
NameSUNMARK FCU
TypeCredit Union
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2049

June 2017: Loan Modification, Consolidation and Extension, Mortgage

Document TypeLoan Modification, Consolidation and Extension
JurisdictionSCHENECTADY NY
Recording DateJun 21, 2017
Property Address1025 HOWARD ST, SCHENECTADY, NY 12303-1121
Book / Page004767 / 000847
Instrument DateJun 14, 2017
Instrument27594
Transaction TypeMortgage
Record UpdatedJan 14, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1027 HOWARD ST SCHENECTADY NY 123031121, SCHENECTADY, NY 12303-1121

Mortgage

Document Number0000027594
DateJun 21, 2017
Book Page004767/000847
Instrument27594
Lender
NameTRUSTCO BK
TypeBank
AddressGLENVILLE, NY 12302
Agreement
TypeConventional Mortgage
AmountAmount Recorded

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address1025 HOWARD ST, SCHENECTADY, NY 12303-1121
Document Number0000027593
Instrument DateJun 14, 2017
Transaction TypeMortgage
Record UpdatedJan 10, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1027 HOWARD ST SCHENECTADY NY 123031121, SCHENECTADY, NY 12303-1121

Mortgage

Document Number0000027593
DateJun 21, 2017
Book Page004767/000841
Instrument27593
Lender
NameTRUSTCO BK
TypeBank
AddressGLENVILLE, NY 12302
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,478.00 (+6.78%)$90,700 (-) Land $13,600 Building $77,100$150,190 (+30.82%) Land $22,520 Building $127,670
2023$90,700 (-) Land $13,600 Building $77,100$114,810 (+3.8%) Land $17,215 Building $97,595
2022$90,700 Land $13,600 Building $77,100$110,610 Land $16,585 Building $94,025
2021$5,130.00

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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