860 Thompson St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 860 Thompson St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 1903
Lot Size	0.187 acres (8,162 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Aug 2013)
Tax Bill	$5,153 (2026)
Deeds & Mortgages	Oct 2019 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 48.67-3-39.1`

Property Details

APN / Parcel Number

Primary APN	`421500 48.67-3-39.1`
Alternative APN	`150004806700030390010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,610 sqft Living Area
1st Floor Area	805 sqft
2nd Floor Area	805 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	8,162 sqft (0.187 acres)
Lot Dimensions	154 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	424 sqft
Patio Area	280 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	860 THOMPSON ST
City	SCHENECTADY
State	NY
Zip	12306-4025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	P/O 232 & P/O 248 2 WOOD AND GARAGE
Legal Block	3
Legal Lot Number	39.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4009
Census Tract	33200

Owner

Source: Schenectady County and Schenectady 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	Individual Name on Record
Mailing Address	860 THOMPSON ST, SCHENECTADY, NY 12306-4025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2019	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD MORTGAGE CO
Jan 7, 2022	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Nov 22, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Oct 8, 2019	Loan Modification, Mortgage · Conventional Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2013 · Amount on Record
Deed Sale	Aug 22, 2013 · Amount on Record
Prior Sale	Jan 6, 2005
Deed Document Number	201337381
Deed Book / Page	1880 / 567
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	860 THOMPSON ST, SCHENECTADY, NY 12306-4025
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049495
Date	Oct 30, 2019
Book Page	4949/801
Instrument	201949495

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45263

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	860 THOMPSON ST, SCHENECTADY, NY 12306-4025
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 THOMPSON ST, SCHENECTADY, NY 12306-4025

Mortgage

Document Number	0000001181
Date	Jan 7, 2022
Book Page	5187/787
Instrument	202201181

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	860 THOMPSON ST, SCHENECTADY, NY 12306-4025
Document Number	0000001223
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 THOMPSON ST SCHENECTADY NY 123064025, SCHENECTADY, NY 12306-4025

Mortgage

Document Number	0000001223
Date	Jan 10, 2020
Book Page	004965/000915
Instrument	1223

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2050

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	860 THOMPSON ST, SCHENECTADY, NY 12306-4025
Document Number	0000048333
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 THOMPSON ST SCHENECTADY NY 123064025, SCHENECTADY, NY 12306-4025

Mortgage

Document Number	0000048333
Date	Oct 23, 2019
Book Page	004948/000539
Instrument	48333

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

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	$5,153.00 (+3.39%) Homeowner's exemption
2025	$4,984.00 (+8.11%)	$110,000 (-) Land $18,000 Building $92,000	$182,149 (+30.82%) Land $29,806 Building $152,343
2023		$110,000 (-) Land $18,000 Building $92,000	$139,241 (+3.8%) Land $22,785 Building $116,456
2022		$110,000 Land $18,000 Building $92,000	$134,146 Land $21,951 Building $112,195
2021	$4,610.00

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 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

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.

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 844 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Greenlight Networks.

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