17 Upper Prospect St, Fonda, NY 12068 Property Records

Montgomery County and Mohawk Town property record for 17 Upper Prospect St, Fonda, NY 12068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,716 sqft · built 1880
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$78,000 (Aug 2008)
Tax Bill	$3,693 (2026)
Deeds & Mortgages	Jan 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`273201 35.12-1-40`

Property Details

APN / Parcel Number

Primary APN	`273201 35.12-1-40`
Alternative APNs	`320103501200010400000000` `0761`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,716 sqft Living Area
1st Floor Area	1,116 sqft
2nd Floor Area	600 sqft
Upper Floors Area	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Composition/Composite
Foundation Type	Raised
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	186 ft deep x 61.2 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	340 sqft
Canopy	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0761
Street Address	17 UPPER PROSPECT ST
City	FONDA
State	NY
Zip	12068-4844
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONF
Legal Description	L EST SHIRLEY DE GRAFF
Legal Block	1
Legal Lot Number	40.000
Jurisdiction	MONTGOMERY NY
Township / Civil Division	MOHAWK
Census Block Group	3
Census Block	3012
Census Tract	72200

Owner

17 Upper Prospect St is owned and occupied by two individuals who bought it in August 2008.

Source: Montgomery County and Mohawk Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	17 UPPER PROSPECT ST, FONDA, NY 12068-4844
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2008 · Amount on File
Deed Sale	Aug 22, 2008 · Amount on File
Prior Sale	Sep 21, 2004 · Amount on File
Deed Book / Page	1686 / 254
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NY
Property Address	17 UPPER PROSPECT ST, FONDA, NY 12068-4844
Transaction Type	Mortgage
Record Updated	Feb 14, 2023
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000040
Date	Jan 24, 2023
Instrument	2023-340

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Feb 1, 2063

Tax Assessment & Valuation

The 2026 property tax bill for 17 Upper Prospect St was $3,693 with a homeowner's exemption, up 169.4% from the year before.

Source: Montgomery County and Mohawk Town assessment roll, as of May 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Montgomery County
County Subdivision	Mohawk Town
Municipality	Fonda Village
Unified School District	Fonda-Fultonville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,693.00 (+169.37%) Homeowner's exemption
2025	$1,371.00	$77,000 Land $15,500 Building $61,500	$130,508 Land $26,271 Building $104,237
2023		$77,000 Land $15,500 Building $61,500	$108,451 Land $21,831 Building $86,620

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

Flood

FEMA maps place 17 Upper Prospect St in Zone X, an area of minimal flood risk, though there have been 58 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective November 30, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 35 policies
Nearby Flood Policies	35 in force
Nearby Flood Claims	58 (1980–2021)
Claims Outside the SFHA	20 of 58
Most Recent Claim	Jul 2021 · rainfall accumulation
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 7 claims Hurricane Irene, Aug 2011 · 21 claims Severe Storms And Flooding, Jun 2006 · 14 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 17 Upper 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	None beyond 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 System	FONDA (V) WATER WORKS serves 1,080 people · EPA ID NY2800138
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Mar 2026 Total trihalomethanes resolved · Jan 2022
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20