Schenectady County and Schenectady City property record for 1046 Howard St, Schenectady, NY 12303 · Last verified April 2026
| Property Type | Residential > Multi-Unit > Duplex |
|---|---|
| Bedrooms | 6 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1930 |
| Square Footage | 2,320 sqft Total Area |
| Lot Size | 4,725 sqft (0.108 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $145,000 (2018) |
| Tax Bill | $5,752.00 (2025) |
| Primary APN | 421500 49.47-3-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 13 Rooms |
| Building Area | 2,320 sqft Total Area |
| 1st Floor | 1,160 sqft 1st Floor |
| 2nd Floor | 1,160 sqft 2nd Floor |
| Stories | 2 Stories |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 4,725 sqft (0.108 acres) |
| Depth X Width | 135 ft x 35 ft Depth x Width |
| Porch Area | 180 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 1046 HOWARD ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-1122 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Duplex |
| Legal Description | AGED AFFIDAVIT REQUIRED 2 WOOD AND GARAGE |
| Legal Block | 3 |
| Legal Lot Number | 20.000 |
| Jurisdiction | SCHENECTADY NY |
| Minor Civil Division | SCHENECTADY |
| Census Blockgroup | 1 |
| Census Block | 1008 |
| Census Tract | 21400 |
Source: Schenectady County and Schenectady City records · APN 421500 49.47-3-20
Assessment roll updated April 14, 2026 · Last verified April 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 | 1046 HOWARD ST, SCHENECTADY, NY 12303-1122 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Aug 06, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 06, 2018 · Amount on Record |
| Deed Sale | Aug 06, 2018 · Amount on Record |
| Prior Sale | Jun 11, 2010 · Amount on Record |
| Deed Doc Number | 201834405 |
| Deed Book / Page | 1992 / 841 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1046 HOWARD ST, SCHENECTADY, NY 12303-1122 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1046 HOWARD ST, SCHENECTADY, NY 12303-1122 |
| Document Number | 0000015753 |
|---|---|
| Date | Apr 08, 2021 |
| Book Page | 5088/446 |
| Instrument | 202115753 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Oct 30, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 06, 2018 |
| Property Address | 1046 HOWARD ST, SCHENECTADY, NY 12303-1122 |
| Document Number | 0000034405 |
| Book / Page | 1992 / 841 |
| Instrument Date | Jul 26, 2018 |
| Instrument | 201834405 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $580.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1123 AUSTIN PL, 1123, SCHENECTADY, NY 12306-4815 |
| Name | Verified Name |
|---|---|
| Address | 1090 CRANE ST, SCHENECTADY, NY 12303 |
| Document Number | 0000034440 |
|---|---|
| Date | Aug 06, 2018 |
| Instrument | 201834440 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2048 |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 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 | $5,752.00 (+8.06%) | $92,800 (-) Land $13,900 Building $78,900 | $153,668 (+30.82%) Land $23,017 Building $130,651 |
| 2023 | $92,800 (-) Land $13,900 Building $78,900 | $117,468 (+3.8%) Land $17,595 Building $99,873 | |
| 2022 | $92,800 Land $13,900 Building $78,900 | $113,171 Land $16,951 Building $96,220 | |
| 2021 | $5,323.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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