Schenectady County and Schenectady City property record for 103 Prospect St, Schenectady, NY 12308
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,536 sqft · built 1915 |
| Lot Size | 0.082 acres (3,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $125,000 (Apr 2025) |
| Tax Bill | $4,735 (2026) |
| Deeds & Mortgages | Oct 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.82-2-75.1 |
| Primary APN | 421500 39.82-2-75.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,536 sqft Total Area |
| 1st Floor Area | 768 sqft |
| 2nd Floor Area | 768 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,600 sqft (0.082 acres) |
| Lot Dimensions | 120 ft deep x 30 ft wide |
| Porch | Slab |
| Porch Area | 412 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 103 PROSPECT ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-3127 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 2 |
| Legal Lot Number | 75.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20800 |
103 Prospect St, a duplex, is owned by two individuals who bought it in April 2025.
Source: Schenectady County and Schenectady City records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1448 STATE ST, SCHENECTADY, NY 12304-2823 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2025 · Amount on File |
| Deed Sale | Apr 10, 2025 · Amount on File |
| Prior Sale | Oct 30, 2017 · Amount on File |
| Deed Document Number | 202510616 |
| Deed Book / Page | 2148 / 864 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 30, 2017 |
| Property Address | 103 PROSPECT ST, SCHENECTADY, NY 12308-3127 |
| Document Number | 0000049187 |
| Book / Page | 001974 / 000268 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 49187 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2017 |
| Title Company | NEW YORK ABSTRACT SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Tax | $132.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3488 CARMAN RD SCHENECTADY NY 123035320, SCHENECTADY, NY 12303-5320 |
The 2026 property tax bill for 103 Prospect St was $4,735, up 5.2% from the year before.
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 |
|---|---|---|---|
| 2026 | $4,735.00 (+5.22%) | ||
| 2025 | $4,500.00 | $66,800 Land $10,000 Building $56,800 | $110,614 Land $16,559 Building $94,055 |
| 2023 | $66,800 (-) Land $10,000 Building $56,800 | $84,557 (+3.8%) Land $12,658 Building $71,899 | |
| 2022 | $66,800 Land $10,000 Building $56,800 | $81,463 Land $12,195 Building $69,268 | |
| 2021 | $4,111.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Prospect 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.
The area around 103 Prospect 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.
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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