131 Prospect St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 131 Prospect St, Schenectady, NY 12308 · Last verified July 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,880 sqft · built 1910
Lot Size	0.094 acres (4,131 sqft)
Owner	2 Individual Names on File
Last Sale	$50,404 (Nov 2008)
Tax Bill	$3,820 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.82-2-61`

Property Details

APN / Parcel Number

Primary APN	`421500 39.82-2-61`
Alternative APN	`150003908200020610000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,880 sqft Total Area
1st Floor Area	940 sqft
2nd Floor Area	940 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,131 sqft (0.094 acres)
Lot Dimensions	153 ft deep x 27 ft wide

Exterior Amenities

Porch	Porch
Porch Area	285 sqft
Patio Area	156 sqft
Shed	1 Shed
Canopy	27 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	131 PROSPECT ST
City	SCHENECTADY
State	NY
Zip	12308-3127
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	2 WOOD
Legal Block	2
Legal Lot Number	61.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1006
Census Tract	20800

Owner

Source: Schenectady County and Schenectady City records · APN 421500 39.82-2-61

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	778 EASTERN AVE, SCHENECTADY, NY 12308-3206
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 09, 2024	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jan 11, 2024	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 17, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Nov 01, 2018	Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 18, 2008 · Amount on Record
Deed Sale	Nov 18, 2008 · Amount on Record
Prior Sale	May 18, 2005 · Amount on Record
Deed Book / Page	1793 / 389
Last Transfer Date	May 20, 2025
Transfer Doc	0000018526
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	131 PROSPECT ST, SCHENECTADY, NY 12308-3127
Transaction Type	Mortgage
Record Updated	Feb 27, 2024
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 PROSPECT ST, SCHENECTADY, NY 12308-3127

Mortgage

Document Number	0000008531
Date	Feb 09, 2024
Book Page	5358/307
Instrument	202408531

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Term	477 Months
Due	Nov 01, 2063

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	131 PROSPECT ST, SCHENECTADY, NY 12308-3127
Transaction Type	Mortgage
Record Updated	Jan 26, 2024
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 PROSPECT ST, SCHENECTADY, NY 12308-3127

Mortgage

Document Number	0000002840
Date	Jan 11, 2024
Book Page	5353/166
Instrument	202402840

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	478 Months
Due	Nov 01, 2063

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	131 PROSPECT ST, SCHENECTADY, NY 12308-3127
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 PROSPECT ST, SCHENECTADY, NY 12308-3127

Mortgage

Document Number	0000054850
Date	Oct 17, 2022
Book Page	5263/924
Instrument	202254850

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Dec 01, 2051

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	131 PROSPECT ST, SCHENECTADY, NY 12308-3127
Document Number	0000051241
Instrument Date	Nov 01, 2018
Transaction Type	Mortgage
Record Updated	Dec 07, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 BRYON CT LAKELAND FL 338102807, LAKELAND, FL 33810-2807

Mortgage

Document Number	0000051241
Date	Nov 20, 2018
Book Page	004879/000329
Instrument	51241

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203-4774

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2048

Interest

Rate	4.5%

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,820.00	$50,200 (-) Land $7,500 Building $42,700	$83,126 (+30.82%) Land $12,419 Building $70,707
2023		$50,200 Land $7,500 Building $42,700	$63,544 Land $9,494 Building $54,050

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 461 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures