103 Prospect Street, Schenectady, NY, 12308
About This Home
..Nice Two Family house with LR, Kitchen, 2 BRs and bath in each flat - Separate heat & Utilities - Washer & Dryer Hookups in basement - One flat was left vacant to facilitate the sale.
Getting Around
Very Walkable
Some Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1915
Materials
- Roof: Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: MultiFamily
- Architectural style: Traditional
- Property subType: Duplex,Multi Family
Interior
Basement
- Has basement: Yes
- Basement: Full,Sump Pump,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- High Speed Internet
- Door features: Storm Door(s)
- Finished area below ground: 0
- Finished area above ground: 1,536
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: None
Interior Area
- Total structure area: 1,536
- Total interior livable area: 1,536 sqft
Property
Details
- Parcel number: 421500 39.82275.1
- Attached to another structure: Yes
- Zoning description: Multi Residence
Features
- Patio & porch: Covered,Front Porch
- Exterior features: None
Lot
- Lot size: 3,484 sqft
- Features: Level
Parking
- Total spaces: 2
- Parking features: Driveway
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Schenectady County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,228 | $14,736 |
| Home Insurance * | $121 | $1,452 |
| Property Taxes | $429 | $5,148 |
| Electricity | $253 | $3,046 |
| Total | $2,031 | $24,372 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-25 | Listed for sale | $253,900 |
| 2025-04-09 | Sold | $125,000 |
| 2025-02-27 | Pending sale | $125,000 |
| 2025-02-13 | Listed for sale | $125,000 |
| 2022-08-02 | Listing removed | -- |
| 2021-08-31 | Pending sale | $79,900 |
| 2017-09-25 | Sold | $33,000 |
| 2017-08-23 | Pending sale | $44,000 |
| 2017-08-09 | Listed for sale | $44,000 |
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