140 Prospect St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 140 Prospect St, Schenectady, NY 12308

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,334 sqft · built 1920
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on File
Last Sale	$125,500 (Sep 2024)
Tax Bill	$3,692 (2026)
Deeds & Mortgages	Sep 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.82-1-24`

Property Details

APN / Parcel Number

Primary APN	`421500 39.82-1-24`
Alternative APN	`150003908200010240000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,334 sqft Living Area
1st Floor Area	762 sqft
2nd Floor Area	572 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	150 ft deep x 32 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	100 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	140 PROSPECT ST
City	SCHENECTADY
State	NY
Zip	12308-3124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD AND GARAGE
Legal Block	1
Legal Lot Number	24.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1004
Census Tract	20800

Owner

140 Prospect St is owned by an individual who bought it in September 2024.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	829 HAMILTON ST, SCHENECTADY, NY 12307-1736
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2024 · Amount on File
Deed Sale	Sep 10, 2024 · Amount on File
Deed Document Number	202453578
Deed Book / Page	2137 / 487
Record Updated	Oct 29, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 10, 2024
Property Address	140 PROSPECT ST, SCHENECTADY, NY 12308-3124
Document Number	0000053578
Book / Page	2137 / 487
Map Reference	MB 991 PG 701
Instrument Date	Jul 29, 2024
Instrument	202453578
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	CATIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$502.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 PROSPECT ST, SCHENECTADY, NY 12308-3124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 HAMILTON ST, SCHENECTADY, NY 12307-1736

Mortgage

Document Number	0000053579
Date	Sep 10, 2024
Instrument	202453579

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 140 Prospect St was $3,692, up 2.8% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,692.00 (+2.84%)
2025	$3,590.00	$62,100 Land $9,300 Building $52,800	$102,832 Land $15,400 Building $87,432
2023		$62,100 (-) Land $9,300 Building $52,800	$78,608 (+3.8%) Land $11,772 Building $66,836
2022		$62,100 Land $9,300 Building $52,800	$75,732 Land $11,342 Building $64,390
2021	$3,239.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 140 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.

Wildfire

Wildfire risk around 140 Prospect St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 System	SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070
Water Source	Groundwater
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 486 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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