Schenectady County and Rotterdam Town property record for 227 Howell St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,080 sqft · built 1950 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $265,000 (Jul 2023) |
| Tax Bill | $7,044 (2026) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Nov 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.15-9-7 |
| Primary APN | 422800 59.15-9-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Upper Floors Area | 360 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 124 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 227 HOWELL ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-3271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G FAGAN #4-21,22 PT20 4.-314-24 |
| Legal Block | 9 |
| Legal Lot Number | 7.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 32901 |
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 227 HOWELL ST, SCHENECTADY, NY 12303-3271 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage BROADVIEW FCU |
| Nov 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage BROADVIEW FCU |
| Feb 2, 2022 | Referee's Deed, Foreclosure FRONTIER ABSTRACT AND RESEARCH, FRONTIER ABSTRACT & RESEARCH |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2023 · Amount on Record |
| Deed Sale | Jul 3, 2023 · Amount on Record |
| Prior Sale | Nov 14, 2022 · Amount on Record |
| Deed Document Number | 202338439 |
| Deed Book / Page | 2111 / 211 |
| Prior Transfer Date | Feb 10, 2022 |
| Prior Transfer Doc | 0000007982 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 3, 2023 |
| Property Address | 227 HOWELL ST, SCHENECTADY, NY 12303-3271 |
| Document Number | 0000038439 |
| Book / Page | 2111 / 211 |
| Map Reference | CAB B-43 |
| Instrument Date | Jun 26, 2023 |
| Instrument | 202338439 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,060.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 227 HOWELL ST, SCHENECTADY, NY 12303-3271 |
| Name | Verified Name |
|---|---|
| Address | 40 MILLER AVE, ALBANY, NY 12203-2912 |
| Document Number | 0000038440 |
|---|---|
| Date | Jul 3, 2023 |
| Instrument | 202338440 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Jul 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Max Rate | 10.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 14, 2022 |
| Property Address | 227 HOWELL ST, SCHENECTADY, NY 12303-3271 |
| Document Number | 0000059855 |
| Book / Page | 2096 / 560 |
| Instrument Date | Oct 27, 2022 |
| Instrument | 202259855 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,060.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 TAKKEN KILL RD, 3, LATHAM, NY 12110-1251 |
| Name | Verified Name |
|---|---|
| Address | 712 DUNNSVILLE RD, SCHENECTADY, NY 12306-5406 |
| Document Number | 0000059856 |
|---|---|
| Date | Nov 14, 2022 |
| Instrument | 202259856 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.5% |
| Index | Other |
| Max Rate | 9.5% |
| Document Type | Referee's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 2, 2022 |
| Property Address | 227 HOWELL ST, SCHENECTADY, NY 12303-3271 |
| Document Number | 0000005642 |
| Book / Page | 2078 / 73 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 202205642 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 11, 2022 |
| Title Company | FRONTIER ABSTRACT AND RESEARCH, FRONTIER ABSTRACT & RESEARCH |
| Amount | Amount Recorded |
|---|---|
| Tax | $392.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 953, LATHAM, NY 12110-0953 |
Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,044.00 (-1.43%) | ||
| 2025 | $7,146.00 | $188,700 (-3.08%) Land $10,200 Building $178,500 | $290,308 (+13.32%) Land $15,692 Building $274,616 |
| 2023 | $194,700 (+65%) Land $10,200 Building $184,500 | $256,184 (+80.16%) Land $13,421 Building $242,763 | |
| 2022 | $118,000 Land $10,200 Building $107,800 | $142,200 Land $12,292 Building $129,908 |
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.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · 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 |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROTTERDAM WD #5 serves 28,000 people · EPA ID NY4600069 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 352 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| 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 |
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