49 Phillips St, Amsterdam, NY 12010 Property Records

Montgomery County and Amsterdam City property record for 49 Phillips St, Amsterdam, NY 12010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,198 sqft · built 1940
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$59,500 (Jun 2016)
Tax Bill	$3,405 (2026)
Deeds & Mortgages	Mar 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`270100 39.15-6-32`

Property Details

APN / Parcel Number

Primary APN	`270100 39.15-6-32`
Alternative APNs	`010003901500060320000000` `0275030`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,198 sqft Living Area
1st Floor Area	901 sqft
Upper Floors Area	296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	122 ft deep x 50.1 ft wide
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0275030
Street Address	49 PHILLIPS ST
City	AMSTERDAM
State	NY
Zip	12010-1231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	RES G L 50 X 149
Legal Block	6
Legal Lot Number	32.000
Jurisdiction	MONTGOMERY NY
Township / Civil Division	AMSTERDAM
Census Block Group	2
Census Block	2004
Census Tract	70400

Owner

Source: Montgomery County and Amsterdam City 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	2 Individual Names on Record
Mailing Address	49 PHILLIPS ST, AMSTERDAM, NY 12010-1231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2016 · Amount on Record
Deed Sale	Jun 2, 2016 · Amount on Record
Deed Book / Page	2016 / 67846
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NY
Property Address	49 PHILLIPS ST, AMSTERDAM, NY 12010-1231
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007911
Date	Mar 21, 2022
Instrument	2022-97911

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

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	$3,405.00 (+139.45%)
2025	$1,422.00 (+15.14%)	$68,000 (-) Land $4,500 Building $63,500	$200,000 (+26.47%) Land $13,235 Building $186,765
2023		$68,000 Land $4,500 Building $63,500	$158,140 Land $10,465 Building $147,675
2020	$1,235.00

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

Flood

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
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2016

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

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	Direct burnable vegetation

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 557 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