Schenectady County and Schenectady City property record for 1011 Gerling St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,750 sqft · built 1973 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,461 (2026) |
| Deeds & Mortgages | Aug 2018 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.36-3-12.1 |
| Primary APN | 421500 39.36-3-12.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,750 sqft Living Area |
| 1st Floor Area | 1,074 sqft |
| Basement Area | 676 sqft |
| Finished Basement | 676 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 135 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Pool Area | 314 sqft |
| Patio Area | 168 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1011 GERLING ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-1312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 3 |
| Legal Lot Number | 12.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20101 |
1011 Gerling St is owned and occupied by two individuals.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1011 GERLING ST, SCHENECTADY, NY 12308-1312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 20, 2018 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| Jul 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1011 GERLING ST, SCHENECTADY, NY 12308-1312 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000037191 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 4858/964 |
| Instrument | 201837191 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 14, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1011 GERLING ST, SCHENECTADY, NY 12308-1312 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000021110 |
|---|---|
| Date | Jul 23, 2020 |
| Book Page | 5005/858 |
| Instrument | 202021110 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
The 2026 property tax bill for 1011 Gerling St was $6,461 with a homeowner's exemption, up 2.8% from the year before.
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 |
|---|---|---|---|
| 2026 | $6,461.00 (+2.82%) Homeowner's exemption | ||
| 2025 | $6,284.00 | $136,000 Land $23,000 Building $113,000 | $225,203 Land $38,086 Building $187,117 |
| 2023 | $136,000 (-) Land $23,000 Building $113,000 | $172,152 (+3.8%) Land $29,114 Building $143,038 | |
| 2022 | $136,000 Land $23,000 Building $113,000 | $165,854 Land $28,049 Building $137,805 | |
| 2021 | $5,861.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1011 Gerling St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.
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 Claims | 2 (1993–1996) |
| Most Recent Claim | Jan 1996 · river or lake flooding |
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 1011 Gerling 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 | 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 405 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures