Schenectady County and Schenectady City property record for 1097 Gerling St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,418 sqft · built 1949 |
| Lot Size | 0.192 acres (8,370 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $110,816 (Jul 2005) |
| Tax Bill | $5,134 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.36-3-16.2 |
| Primary APN | 421500 39.36-3-16.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,418 sqft Living Area |
| 1st Floor Area | 945 sqft |
| Upper Floors Area | 473 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Lot Area | 8,370 sqft (0.192 acres) |
| Lot Dimensions | 90 ft deep x 93 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 312 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1097 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 | 1 BRICK |
| Legal Block | 3 |
| Legal Lot Number | 16.002 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20101 |
1097 Gerling St is owner-occupied and held in a trust since April 2025.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1097 GERLING ST, SCHENECTADY, NY 12308-1334 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2005 · Amount on File |
| Deed Sale | Jul 13, 2005 · Amount on File |
| Prior Sale | Apr 10, 2001 · Amount on File |
| Deed Book / Page | 1710 / 191 |
| Last Transfer Date | Apr 7, 2025 |
| Transfer Doc | 0000011644 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 1097 Gerling St was $5,134 with exemptions applied, up 5.5% 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 | $5,134.00 (+5.51%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $4,866.00 | $125,600 Land $18,800 Building $106,800 | $207,981 Land $31,131 Building $176,850 |
| 2023 | $125,600 (-) Land $18,800 Building $106,800 | $158,987 (+3.8%) Land $23,797 Building $135,190 | |
| 2022 | $125,600 Land $18,800 Building $106,800 | $153,171 Land $22,927 Building $130,244 | |
| 2021 | $5,321.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1097 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 1097 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 |
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