Schenectady County and Schenectady City property record for 128 Prospect St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,664 sqft · built 1857 |
| Lot Size | 0.124 acres (5,400 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,702 (2026) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage May 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.82-1-18 |
| Primary APN | 421500 39.82-1-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,664 sqft Living Area |
| 1st Floor Area | 832 sqft |
| 2nd Floor Area | 832 sqft |
| Year Built | Built 1857 |
|---|---|
| Effective Year Built | Effective 1857 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,400 sqft (0.124 acres) |
| Lot Dimensions | 150 ft deep x 36 ft wide |
| Porch | Porch |
| Porch Area | 243 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 128 PROSPECT ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-3140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 18.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20800 |
128 Prospect St is owned and occupied by an individual who acquired it in July 2021.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 128 PROSPECT ST, SCHENECTADY, NY 12308-3140 |
| 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.
| Date | Document |
|---|---|
| Jul 12, 2021 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| May 23, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2021 |
| Deed Sale | Jul 12, 2021 |
| Prior Sale | Jun 18, 2015 · Amount on File |
| Deed Document Number | 202132548 |
| Deed Book / Page | 2062 / 520 |
| Prior Transfer Date | Mar 16, 2017 |
| Prior Transfer Doc | 0000022871 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 12, 2021 |
| Property Address | 128 PROSPECT ST, SCHENECTADY, NY 12308-3140 |
| Document Number | 0000032548 |
| Book / Page | 2062 / 520 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 202132548 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $466.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 128 PROSPECT ST, 128, SCHENECTADY, NY 12308-3140 |
| Name | Verified Name |
|---|---|
| Address | 715 WINDSOR TER, SCHENECTADY, NY 12308-3121 |
| Document Number | 0000032549 |
|---|---|
| Date | Jul 12, 2021 |
| Instrument | 202132549 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 23, 2017 |
| Property Address | 128 PROSPECT ST, SCHENECTADY, NY 12308-3140 |
| Document Number | 0000022871 |
| Book / Page | 001963 / 000072 |
| Instrument Date | Mar 16, 2017 |
| Instrument | 22871 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 128 PROSPECT ST SCHENECTADY NY 123083140, SCHENECTADY, NY 12308-3140 |
The 2026 property tax bill for 128 Prospect St was $4,702, up 2.4% 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 | $4,702.00 (+2.37%) | ||
| 2025 | $4,593.00 | $84,300 Land $12,600 Building $71,700 | $139,593 Land $20,864 Building $118,729 |
| 2023 | $84,300 (-) Land $12,600 Building $71,700 | $106,709 (+3.8%) Land $15,949 Building $90,760 | |
| 2022 | $84,300 Land $12,600 Building $71,700 | $102,805 Land $15,366 Building $87,439 | |
| 2021 | $2,515.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 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 128 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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