Schenectady County and Schenectady City property record for 1209 Gerling St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,313 sqft · built 1920 |
| Lot Size | 0.19 acres (8,280 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $52,000 (Nov 2015) |
| Tax Bill | $4,448 (2026) |
| Deeds & Mortgages | Oct 2026 Mortgage May 2017 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.37-2-30 |
| Primary APN | 421500 40.37-2-30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,313 sqft Living Area |
| 1st Floor Area | 875 sqft |
| Upper Floors Area | 438 sqft |
| Attic | Attic |
| Attic Area | 438 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,280 sqft (0.19 acres) |
| Lot Dimensions | 115 ft deep x 72 ft wide |
| Garage Type | Detached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 312 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1209 GERLING ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-1717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 369 1 WOOD |
| Legal Subdivision | ROSE ESTATES IN SCHENECTADY |
| Legal Block | 2 |
| Legal Lot Number | 30.000 |
| 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 October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1209 GERLING ST, SCHENECTADY, NY 12308-1717 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION |
| May 17, 2017 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Mar 27, 2017 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Dec 3, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 3, 2017 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage SUNMARK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2015 · Amount on Record |
| Deed Sale | Nov 25, 2015 · Amount on Record |
| Prior Sale | Nov 25, 2015 · Amount on Record |
| Deed Book / Page | 1926 / 739 |
| Last Transfer Date | Nov 19, 2018 |
| Transfer Doc | 0000052935 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 6, 2026 |
| Property Address | 1209 GERLING ST, SCHENECTADY, NY 12308-1717 |
| Document Number | 0000022230 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 202622230 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Life Estate, 156 |
| Address | 1209 GERLING ST, SCHENECTADY, NY 12308-1717 |
| Document Number | 0000022230, |
|---|---|
| Date | Oct 6, 2026 |
| Instrument | 202622230 |
| Name | UNION CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 30, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1209 GERLING ST, SCHENECTADY, NY 12308-1717 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000021934 |
|---|---|
| Date | May 17, 2017 |
| Book Page | 4760/744 |
| Instrument | 201721934 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 25, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1209 GERLING ST, SCHENECTADY, NY 12308-1717 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000013614 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | 4720/842 |
| Instrument | 201713614 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 25, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 3, 2018 |
| Property Address | 1209 GERLING ST, SCHENECTADY, NY 12308-1717 |
| Document Number | 0000052935 |
| Book / Page | 002001 / 000079 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 52935 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2403 OAKLAWN AVE SCHENECTADY NY 123064323, SCHENECTADY, NY 12306-4323 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1209 GERLING ST, SCHENECTADY, NY 12308-1717 |
| Document Number | 0000021935 |
| Instrument Date | May 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1209 GERLING ST SCHENECTADY NY 123081717, SCHENECTADY, NY 12308-1717 |
| Document Number | 0000021935 |
|---|---|
| Date | May 17, 2017 |
| Book Page | 004760/000754 |
| Instrument | 21935 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $4,448.00 (+5.53%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $4,215.00 (+81.84%) | $118,600 (-) Land $17,800 Building $100,800 | $196,390 (+30.82%) Land $29,475 Building $166,915 |
| 2023 | $118,600 (-) Land $17,800 Building $100,800 | $150,127 (+3.8%) Land $22,532 Building $127,595 | |
| 2022 | $118,600 Land $17,800 Building $100,800 | $144,634 Land $21,707 Building $122,927 | |
| 2021 | $2,318.00 |
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 97% of the US · lower than 96% 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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