Schenectady County and Schenectady City property record for 97 Prospect St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 936 sqft · built 1900 |
| Lot Size | 0.041 acres (1,800 sqft) |
| Owner | Company Name on Record |
| Last Sale | $11,000 (May 2018) |
| Tax Bill | $3,292 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2017 Foreclosure + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.82-2-78 |
| Primary APN | 421500 39.82-2-78 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 936 sqft Living Area |
| 1st Floor Area | 468 sqft |
| 2nd Floor Area | 468 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 1,800 sqft (0.041 acres) |
| Lot Dimensions | 60 ft deep x 30 ft wide |
| Porch | Slab |
| Porch Area | 288 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 97 PROSPECT ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-3127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 05 - COMME |
| Legal Description | 2 WOOD |
| Legal Block | 2 |
| Legal Lot Number | 78.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20800 |
Source: Schenectady County and Schenectady City records, as of June 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 11134 STATE ROUTE 32, GREENVILLE, NY 12083-5125 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jun 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage RENEWABLE TITLE SERVICES LLC |
| Jun 28, 2017 | Trustee's Deed, Foreclosure |
| May 21, 2018 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2018 · Amount on Record |
| Deed Sale | May 21, 2018 · Amount on Record |
| Prior Sale | Jun 28, 2017 · Amount on Record |
| Deed Document Number | 201821748 |
| Deed Book / Page | 1987 / 630 |
| Last Transfer Date | Jun 1, 2026 |
| Transfer Doc | 0000013409 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 11, 2026 |
| Property Address | 97 PROSPECT ST, SCHENECTADY, NY 12308-3127 |
| Document Number | 0000013409 |
| Book / Page | 2173 / 749 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202613409 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | RENEWABLE TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 11134 STATE ROUTE 32, GREENVILLE, NY 12083-5125 |
| Document Number | 0000013413, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 202613413 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 28, 2017 |
| Property Address | 97 PROSPECT ST, SCHENECTADY, NY 12308-3127 |
| Document Number | 0000029057 |
| Book / Page | 001965 / 000971 |
| Instrument Date | May 26, 2017 |
| Instrument | 29057 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 4, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $96.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 4224 RIDGE LEA RD AMHERST NY 142261016, AMHERST, NY 14226-1016 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 21, 2018 |
| Property Address | 97 PROSPECT ST, SCHENECTADY, NY 12308-3127 |
| Document Number | 0000021748 |
| Book / Page | 001987 / 000630 |
| Instrument Date | Apr 13, 2017 |
| Instrument | 21748 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $44.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 966 INMAN RD NISKAYUNA NY 123092815, NISKAYUNA, NY 12309-2815 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,292.00 (+11.44%) | $44,400 (-) Land $6,700 Building $37,700 | $73,522 (+30.82%) Land $11,095 Building $62,427 |
| 2023 | $44,400 (-) Land $6,700 Building $37,700 | $56,203 (+3.8%) Land $8,481 Building $47,722 | |
| 2022 | $44,400 Land $6,700 Building $37,700 | $54,146 Land $8,171 Building $45,975 | |
| 2021 | $2,954.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) 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 461 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 Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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