2 Thomas St, Amsterdam, NY 12010 Property Records

Montgomery County and Amsterdam City property record for 2 Thomas St, Amsterdam, NY 12010

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,190 sqft · built 1904
Lot Size	0.073 acres (3,200 sqft)
Owner	Individual Name on File
Last Sale	$72,500 (Aug 2023)
Tax Bill	$2,604 (2026)
Deeds & Mortgages	Nov 2023 Refinance Aug 2023 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`270100 39.83-4-43`

Property Details

APN / Parcel Number

Primary APN	`270100 39.83-4-43`
Alternative APNs	`010003908300040430000000` `0328040`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,190 sqft Living Area
1st Floor Area	1,095 sqft
2nd Floor Area	1,095 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,200 sqft (0.073 acres)
Lot Dimensions	100 ft deep x 32 ft wide
Porch	Slab
Porch Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0328040
Street Address	2 THOMAS ST
City	AMSTERDAM
State	NY
Zip	12010-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	RES L 38 X 100
Legal Block	4
Legal Lot Number	43.000
Jurisdiction	MONTGOMERY NY
Township / Civil Division	AMSTERDAM
Census Block Group	1
Census Block	1007
Census Tract	70300

Owner

2 Thomas St is owned and occupied by an individual who bought it in August 2023.

Source: Montgomery County and Amsterdam 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	2 THOMAS ST, AMSTERDAM, NY 12010-3514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK
Aug 23, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK
Aug 7, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage M & T BANK
Sep 3, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2023 · Amount on File
Deed Sale	Aug 7, 2023 · Amount on File
Deed Document Number	20232819
Prior Transfer Date	Oct 25, 2001
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NY
Property Address	2 THOMAS ST, AMSTERDAM, NY 12010-3514
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000183
Date	Nov 15, 2023
Instrument	2023-4183

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NY
Property Address	2 THOMAS ST, AMSTERDAM, NY 12010-3514
Transaction Type	Mortgage
Record Updated	Sep 12, 2023
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000027
Date	Aug 23, 2023
Instrument	2023-3027

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NY
Recording Date	Aug 7, 2023
Property Address	2 THOMAS ST, AMSTERDAM, NY 12010-3514
Document Number	0000000819
Instrument	2023-2819
Transaction Type	Transfer
Record Updated	Aug 29, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83 WALL ST, AMSTERDAM, NY 12010-4129

Mortgage

Document Number	0000000820
Date	Aug 7, 2023
Instrument	2023-2820

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000000822
Date	Aug 7, 2023
Instrument	2023-2822

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY NY
Recording Date	Sep 3, 2019
Property Address	2 THOMAS ST, AMSTERDAM, NY 12010-3514
Document Number	0000084866
Instrument Date	Aug 28, 2019
Instrument	84866
Transaction Type	Transfer
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	82 BROOKSIDE AVE AMSTERDAM NY 120103630, AMSTERDAM, NY 12010-3630

Tax Assessment & Valuation

The 2026 property tax bill for 2 Thomas St was $2,604, up 139.6% from the year before.

Source: Montgomery County and Amsterdam City assessment roll, as of May 11, 2026

Property Jurisdictions

Type	Name
State	New York
Municipality	Amsterdam City
County	Montgomery County
Unified School District	Amsterdam City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,604.00 (+139.56%)
2025	$1,087.00	$52,000 Land $700 Building $51,300	$152,941 Land $2,059 Building $150,882
2023		$41,000 (-) Land $700 Building $40,300	$95,349 (+16.28%) Land $1,628 Building $93,721
2022		$41,000 Land $700 Building $40,300	$82,000 Land $1,400 Building $80,600
2020	$745.00

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

Flood

FEMA maps place 2 Thomas St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2022

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 2 Thomas 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	AMSTERDAM (C) serves 20,700 people · EPA ID NY2800136
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	14 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2022
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 717 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 Fixed Wireless	300 / 20

May also be available: T-Mobile.

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