Schenectady County and Schenectady City property record for 1093 Gerling St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,456 sqft · built 1990 |
| Lot Size | 0.117 acres (5,130 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $257,000 (Jul 2025) |
| Tax Bill | $6,833 (2026) |
| Deeds & Mortgages | Aug 2023 Line of Credit Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.36-3-16.1 |
| Primary APN | 421500 39.36-3-16.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 456 sqft |
| Finished Basement | 456 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,130 sqft (0.117 acres) |
| Lot Dimensions | 90 ft deep x 57 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 314 sqft |
| Porch | Slab |
| Porch Area | 376 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1093 GERLING ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-1334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | RAISED RANCH |
| Legal Subdivision | SECOND ADITION BANKER TRACT |
| Legal Block | 3 |
| Legal Lot Number | 16.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20101 |
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 | 1569 CARRIE ST, SCHENECTADY, NY 12308-2207 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2023 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK NA |
| Feb 7, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jul 8, 2025 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 4, 2017 | Warranty Deed, Transfer · FHA Mortgage REAL ESTATE MORTGAGE NETWORK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2025 · Amount on Record |
| Deed Sale | Jul 8, 2025 · Amount on Record |
| Prior Sale | Jan 4, 2017 · Amount on Record |
| Deed Document Number | 202516577 |
| Deed Book / Page | 2152 / 768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1093 GERLING ST, SCHENECTADY, NY 12308-1334 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 10936 GERLING ST, SCHENECTADY, NY 12308 |
| Document Number | 0000047129 |
|---|---|
| Date | Aug 18, 2023 |
| Book Page | 5324/509 |
| Instrument | 202347129 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Address | OLEAN, NY 14760 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1093 GERLING ST, SCHENECTADY, NY 12308-1334 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1093 GERLING ST, SCHENECTADY, NY 12308-1334 |
| Document Number | 0000006514 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | 5199/101 |
| Instrument | 202206514 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 8, 2025 |
| Property Address | 1093 GERLING ST, SCHENECTADY, NY 12308-1334 |
| Document Number | 0000016577 |
| Map Reference | CAB A MAP 171 |
| Instrument Date | Jun 2, 2025 |
| Instrument | 202516577 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | UNKNOWN, CATIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,028.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1093 GERLING ST, SCHENECTADY, NY 12308-1334 |
| Name | Verified Name |
|---|---|
| Address | 1569 CARRIE ST, SCHENECTADY, NY 12308-2207 |
| Document Number | 0000016578 |
|---|---|
| Date | Jul 8, 2025 |
| Instrument | 202516578 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 4, 2017 |
| Property Address | 1093 GERLING ST, SCHENECTADY, NY 12308-1334 |
| Document Number | 0000000388 |
| Book / Page | 1953 / 709 |
| Map Reference | CAB A MAP171 |
| Instrument Date | Dec 30, 2016 |
| Instrument | 201700388 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $548.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2947 W OLD STATE RD, 2947, SCHENECTADY, NY 12303-5420 |
| Name | Verified Name |
|---|---|
| Address | 437 N BRANDYWINE AVE, SCHENECTADY, NY 12308-3515 |
| Document Number | 0000000390 |
|---|---|
| Date | Jan 4, 2017 |
| Instrument | 201700390 |
| Name | REAL ESTATE MORTGAGE NETWORK |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2047 |
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 | $6,833.00 (+1.86%) | ||
| 2025 | $6,708.00 (+4.21%) | $137,100 (-) Land $20,600 Building $116,500 | $227,024 (+13.35%) Land $34,112 Building $192,912 |
| 2024 | $137,100 (-) Land $20,600 Building $116,500 | $200,292 (+15.41%) Land $30,095 Building $170,197 | |
| 2023 | $137,100 (-) Land $20,600 Building $116,500 | $173,544 (+3.8%) Land $26,076 Building $147,468 | |
| 2022 | $137,100 Land $20,600 Building $116,500 | $167,195 Land $25,122 Building $142,073 | |
| 2021 | $6,437.00 |
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 · 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.
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 |
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