Schenectady County and Schenectady City property record for 118 Prospect St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,320 sqft · built 1870 |
| Lot Size | 0.124 acres (5,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $60,000 (Nov 2021) |
| Tax Bill | $3,917 (2026) |
| Deeds & Mortgages | Nov 2021 Sale Jun 2017 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.82-1-13 |
| Primary APN | 421500 39.82-1-13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Living Area |
| 1st Floor Area | 880 sqft |
| 2nd Floor Area | 440 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,400 sqft (0.124 acres) |
| Lot Dimensions | 150 ft deep x 36 ft wide |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 100 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 118 PROSPECT ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-3140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 1 |
| Legal Lot Number | 13.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20800 |
118 Prospect St is owned by an individual who bought it in November 2021.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 766 EASTERN AVE, SCHENECTADY, NY 12308-3206 |
| 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.
| Date | Document |
|---|---|
| Nov 8, 2021 | Warranty Deed, Transfer |
| Jun 16, 2017 | Grant Deed, Transfer |
| Jun 16, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2021 · Amount on File |
| Deed Sale | Nov 8, 2021 · Amount on File |
| Prior Sale | Jun 16, 2017 · Amount on File |
| Deed Document Number | 202155741 |
| Deed Book / Page | 2071 / 11 |
| Prior Transfer Date | Jun 3, 2015 |
| Prior Transfer Doc | 0000025790 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 8, 2021 |
| Property Address | 118 PROSPECT ST, SCHENECTADY, NY 12308-3140 |
| Document Number | 0000055741 |
| Book / Page | 2071 / 11 |
| Instrument Date | Nov 2, 2021 |
| Instrument | 202155741 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 118 PROSPECT ST, SCHENECTADY, NY 12308-3140 |
| Name | Verified Name |
|---|---|
| Address | 766 MAIN AVE, SCHENECTADY, NY 12303-1162 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 16, 2017 |
| Property Address | 118 PROSPECT ST, SCHENECTADY, NY 12308-3140 |
| Document Number | 0000026980 |
| Book / Page | 001965 / 000125 |
| Instrument Date | Jun 12, 2017 |
| Instrument | 26980 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $120.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 13303 ARMSTEAD ST WOODBRIDGE VA 221911620, WOODBRIDGE, VA 22191-1620 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 16, 2017 |
| Property Address | 118 PROSPECT ST, SCHENECTADY, NY 12308-3140 |
| Document Number | 0000026978 |
| Book / Page | 001965 / 000109 |
| Instrument Date | May 4, 2017 |
| Instrument | 26978 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $40.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 15 VANDENBURG LN LATHAM NY 121101186, LATHAM, NY 12110-1186 |
The 2026 property tax bill for 118 Prospect St was $3,917, up 2.7% 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 | $3,917.00 (+2.73%) | ||
| 2025 | $3,813.00 | $71,000 Land $10,700 Building $60,300 | $117,569 Land $17,718 Building $99,851 |
| 2023 | $71,000 (-) Land $10,700 Building $60,300 | $89,873 (+3.8%) Land $13,544 Building $76,329 | |
| 2022 | $71,000 Land $10,700 Building $60,300 | $86,585 Land $13,049 Building $73,536 | |
| 2021 | $3,600.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 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 118 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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