108 Prospect St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 108 Prospect St, Schenectady, NY 12308

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,396 sqft · built 1900
Lot Size	0.124 acres (5,400 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Jul 2020)
Tax Bill	$6,319 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.74-3-20`

Property Details

APN / Parcel Number

Primary APN	`421500 39.74-3-20`
Alternative APN	`150003907400030200000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,396 sqft Total Area
1st Floor Area	1,198 sqft
2nd Floor Area	1,198 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	150 ft deep x 36 ft wide
Porch	Slab
Porch Area	296 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	108 PROSPECT ST
City	SCHENECTADY
State	NY
Zip	12308-3128
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	3
Legal Lot Number	20.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1002
Census Tract	20800

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 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 Record
Mailing Address	108 PROSPECT ST, SCHENECTADY, NY 12308-3128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2020 · Amount on Record
Deed Sale	Jul 29, 2020 · Amount on Record
Prior Sale	Dec 9, 2015 · Amount on Record
Deed Document Number	202021650
Deed Book / Page	2038 / 644
Prior Transfer Date	Sep 4, 2008
Prior Transfer Doc	1790000010
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 29, 2020
Property Address	108 PROSPECT ST, SCHENECTADY, NY 12308-3128
Document Number	0000021650
Book / Page	2038 / 644
Instrument Date	May 19, 2020
Instrument	202021650
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	PRIORITY 1 ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 HOCKEN COURT, 54, BRAMPTON ONTARIO XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 EASTERN AVE, SCHENECTADY, NY 12308-3141

Mortgage

Document Number	0000021651
Date	Jul 29, 2020
Instrument	202021651

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,319.00 (+3.23%)
2025	$6,121.00 (+133.63%)	$106,400 (-) Land $4,500 Building $101,900	$176,188 (+30.82%) Land $7,452 Building $168,736
2023		$106,400 (+254.67%) Land $4,500 Building $101,900	$134,684 (+268.14%) Land $5,696 Building $128,988
2022		$30,000 Land $4,500 Building $25,500	$36,585 Land $5,488 Building $31,097
2021	$2,620.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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