Schenectady County and Rotterdam Town property record for 320 Howell St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,287 sqft · built 1950 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $154,000 (Apr 2019) |
| Tax Bill | $5,226 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.19-2-5 |
| Primary APN | 422800 59.19-2-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,287 sqft Living Area |
| 1st Floor Area | 858 sqft |
| Upper Floors Area | 429 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 216 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 225 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 320 HOWELL ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-3274 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,PT STOODLEY GAR #3-57 5.-390-20 |
| Legal Block | 2 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 32901 |
320 Howell St is owned and occupied by two individuals who bought it in April 2019.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 HOWELL ST, SCHENECTADY, NY 12303-3274 |
| 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.
| Date | Document |
|---|---|
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Apr 3, 2019 | Warranty Deed, Transfer · FHA Mortgage TD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2019 · Amount on File |
| Deed Sale | Apr 3, 2019 · Amount on File |
| Prior Sale | Oct 20, 2004 |
| Deed Document Number | 201914435 |
| Deed Book / Page | 2008 / 644 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 320 HOWELL ST, SCHENECTADY, NY 12303-3274 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | LEGACY TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 320 HOWELL ST, SCHENECTADY, NY 12303-3274 |
| Document Number | 0000040338 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 5052/146 |
| Instrument | 202040338 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 3, 2019 |
| Property Address | 320 HOWELL ST, SCHENECTADY, NY 12303-3274 |
| Document Number | 0000014435 |
| Book / Page | 2008 / 644 |
| Instrument Date | Apr 1, 2019 |
| Instrument | 201914435 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | A & G TITLE & SETMNT SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $616.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 HOWELL ST, 320, SCHENECTADY, NY 12303-3274 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 509 ALEXANDER ST, SCHENECTADY, NY 12308-1223 |
| Document Number | 0000014436 |
|---|---|
| Date | Apr 3, 2019 |
| Instrument | 201914436 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
The 2026 property tax bill for 320 Howell St was $5,226, up 1.7% from the year before.
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 | $5,226.00 (+1.71%) | ||
| 2025 | $5,138.00 | $140,000 Land $19,200 Building $120,800 | $215,400 Land $29,541 Building $185,859 |
| 2023 | $140,000 Land $19,200 Building $120,800 | $184,200 Land $25,262 Building $158,938 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Howell St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 320 Howell 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures