1860 Watt St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 1860 Watt St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,256 sqft · built 1940
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Aug 2005)
Tax Bill	$3,882 (2026)
Deeds & Mortgages	Mar 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`421500 49.75-1-12`

Property Details

APN / Parcel Number

Primary APN	`421500 49.75-1-12`
Alternative APN	`150004907500010120000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,256 sqft Living Area
1st Floor Area	798 sqft
2nd Floor Area	458 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Stucco
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	68 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1860 WATT ST
City	SCHENECTADY
State	NY
Zip	12304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	PART OF 97 2 WOOD AND GARAGE
Legal Subdivision	BALLSTON TERRACE
Legal Block	1
Legal Lot Number	12.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4002
Census Tract	21700

Owner

1860 Watt St is owned and occupied by an individual who bought it in August 2005.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1860 WATT ST, SCHENECTADY, NY 12304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2005 · Amount on File
Deed Sale	Aug 11, 2005 · Amount on File
Prior Sale	May 6, 1998 · Amount on File
Deed Book / Page	1712 / 526
Record Updated	Oct 29, 2026

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	1860 WATT ST, SCHENECTADY, NY 12304
Document Number	0000015078
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1862 WATT ST SCHENECTADY NY 123042836, SCHENECTADY, NY 12304-2836

Mortgage

Document Number	0000015078
Date	May 27, 2020
Book Page	004991/000595
Instrument	15078

Lender

Name	HSBC BK USA NA S 2005-HE5 (CE)
Address	8742 LUCENT BLVD # 300, HIGHLANDS RANCH, CO 80129-2386

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 26, 2035

Interest

Rate	3.75%

Tax Assessment & Valuation

The 2026 property tax bill for 1860 Watt St was $3,882 with a homeowner's exemption, up 4.3% 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	$3,882.00 (+4.27%) Homeowner's exemption
2025	$3,723.00	$79,200 Land $11,900 Building $67,300	$131,148 Land $19,705 Building $111,443
2023		$79,200 (-) Land $11,900 Building $67,300	$100,253 (+3.8%) Land $15,063 Building $85,190
2022		$79,200 Land $11,900 Building $67,300	$96,585 Land $14,512 Building $82,073
2021	$3,361.00

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

Flood

FEMA maps place 1860 Watt 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 1860 Watt St is low, with less than 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 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 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	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 639 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