Schenectady County and Schenectady City property record for 1102 Howard St, Schenectady, NY 12303
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,100 sqft · built 1920 |
| Lot Size | 0.112 acres (4,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $9,303 (Feb 2003) |
| Tax Bill | $4,628 (2026) |
| Deeds & Mortgages | Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.55-4-14 |
| Primary APN | 421500 49.55-4-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,100 sqft Total Area |
| 1st Floor Area | 1,050 sqft |
| 2nd Floor Area | 1,050 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 4,900 sqft (0.112 acres) |
| Lot Dimensions | 140 ft deep x 35 ft wide |
| Porch | Slab |
| Porch Area | 374 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1102 HOWARD ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-1241 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 4 |
| Legal Lot Number | 14.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 21500 |
1102 Howard St, a duplex, is owned and occupied by an individual who bought it in February 2003.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1102 HOWARD ST, SCHENECTADY, NY 12303-1241 |
| Occupancy | Owner Occupied |
| 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 | Name on Deed |
|---|---|
| Last Sale | Feb 24, 2003 · Amount on File |
| Deed Sale | Feb 24, 2003 · Amount on File |
| Prior Sale | Jun 4, 1993 · Amount on File |
| Deed Book / Page | 1644 / 977 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1102 HOWARD ST, SCHENECTADY, NY 12303-1241 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000031984 |
|---|---|
| Date | Jul 18, 2019 |
| Book Page | 4924/654 |
| Instrument | 201931984 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jun 18, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 1102 Howard St was $4,628 with a homeowner's exemption, up 5.5% 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 | $4,628.00 (+5.49%) Homeowner's exemption | ||
| 2025 | $4,387.00 | $75,600 Land $11,300 Building $64,300 | $125,186 Land $18,712 Building $106,474 |
| 2023 | $75,600 (-) Land $11,300 Building $64,300 | $95,696 (+3.8%) Land $14,304 Building $81,392 | |
| 2022 | $75,600 Land $11,300 Building $64,300 | $92,195 Land $13,780 Building $78,415 | |
| 2021 | $3,858.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1102 Howard 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 1102 Howard 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 1,007 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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