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127 Prospect St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 127 Prospect St, Schenectady, NY 12308

Property Summary

Property TypeDuplex
Details4 bd · 2 ba · 2,212 sqft · built 1910
Lot Size0.105 acres (4,590 sqft)
OwnerIndividual Name on Record
Last Sale$50,000 (Feb 2020)
Tax Bill$4,298 (2026)
Deeds & MortgagesAug 2021 Sale & Mortgage
Mar 2019 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN421500 39.82-2-63

Property Details

APN / Parcel Number

Primary APN421500 39.82-2-63
Alternative APN
  • 150003908200020630000000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms12 Rooms
Stories2 Stories
Building Area2,212 sqft Total Area
1st Floor Area1,106 sqft
2nd Floor Area1,106 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleTraditional
Exterior MaterialComposition/Composite
Lot Area4,590 sqft (0.105 acres)
Lot Dimensions153 ft deep x 30 ft wide
PorchSlab
Porch Area418 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address127 PROSPECT ST
CitySCHENECTADY
StateNY
Zip12308-3127
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning Code03 - MULTI
Legal Description2 WOOD
Legal Block2
Legal Lot Number63.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1006
Census Tract20800

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 RecordIndividual Name on Record
Mailing Address10110 4TH AVE, 24E, BROOKLYN, NY 11209-8324
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 16, 2021Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE RESEARCH CENTER LLC
Mar 14, 2019Grant Deed, Transfer
ATTORNEY ONLY
Oct 29, 2018Trustee's Deed, Foreclosure
FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 12, 2020 · Amount on Record
Deed SaleFeb 12, 2020 · Amount on Record
Prior SaleMar 14, 2019 · Amount on Record
Deed Document Number20206068
Deed Book / Page2030 / 327
Record UpdatedOct 29, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateAug 16, 2021
Property Address127 PROSPECT ST, SCHENECTADY, NY 12308-3127
Document Number0000039699
Book / Page2065 / 22
Instrument DateJun 17, 2021
Instrument202139699
Transaction TypeTransfer
Record UpdatedSep 1, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$660.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address127 PROSPECT ST, 127, SCHENECTADY, NY 12308-3127

Transferred To (Grantee/Buyer)

NameVerified Name
Address10110 4TH AVE APT 24E, 24E, BROOKLYN, NY 11209-8324

Mortgage

Document Number0000039706
DateAug 16, 2021
Instrument202139706
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueJul 1, 2051

March 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSCHENECTADY NY
Recording DateMar 14, 2019
Property Address127 PROSPECT ST, SCHENECTADY, NY 12308-3127
Document Number0000011099
Book / Page002007 / 000332
Instrument DateFeb 25, 2019
Instrument11099
Transaction TypeTransfer
Record UpdatedMar 27, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$160.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address325 HULETT ST SCHENECTADY NY 123071311, SCHENECTADY, NY 12307-1311

October 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionSCHENECTADY NY
Recording DateOct 29, 2018
Property Address127 PROSPECT ST, SCHENECTADY, NY 12308-3127
Document Number0000047911
Book / Page001998 / 000841
Instrument DateOct 10, 2018
Instrument47911
Transaction TypeForeclosure
Record UpdatedNov 13, 2018
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

AmountAmount Recorded
Tax$167.96
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address314 S FRANKLIN ST TITUSVILLE PA 163542168, TITUSVILLE, PA 16354-2168

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,298.00 (+5.71%)
2025$4,066.00 (+10.43%)$56,200 (-) Land $8,400 Building $47,800$93,062 (+30.82%) Land $13,910 Building $79,152
2023$56,200 (-) Land $8,400 Building $47,800$71,139 (+3.8%) Land $10,633 Building $60,506
2022$56,200 Land $8,400 Building $47,800$68,537 Land $10,244 Building $58,293
2021$3,682.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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