Schenectady County and Schenectady City property record for 1220 Gerling St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,848 sqft · built 1929 |
| Lot Size | 0.289 acres (12,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $173,000 (Aug 2022) |
| Tax Bill | $6,329 (2026) |
| Deeds & Mortgages | Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.37-1-25 |
| Primary APN | 421500 40.37-1-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,848 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| 2nd Floor Area | 696 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,600 sqft (0.289 acres) |
| Lot Dimensions | 105 ft deep x 120 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 48 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1220 GERLING ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-1718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 57 58 2 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20101 |
1220 Gerling St is owned and occupied by two individuals who bought it in August 2022.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1220 GERLING ST, SCHENECTADY, NY 12308-1718 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | Aug 24, 2022 · Amount on File |
| Deed Sale | Aug 24, 2022 · Amount on File |
| Prior Sale | Jul 29, 1999 · Amount on File |
| Deed Document Number | 202245194 |
| Deed Book / Page | 2091 / 493 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1220 GERLING ST, SCHENECTADY, NY 12308-1718 |
| Document Number | 0000034624 |
| Book / Page | 004777 / 000643 |
| Instrument Date | Jul 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2017 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1220 GERLING ST SCHENECTADY NY 123081718, SCHENECTADY, NY 12308-1718 |
| Document Number | 0000034624 |
|---|---|
| Date | Aug 2, 2017 |
| Book Page | 004777/000643 |
| Instrument | 34624 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Aug 1, 2027 |
The 2026 property tax bill for 1220 Gerling St was $6,329 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 | $6,329.00 (+2.81%) Homeowner's exemption | ||
| 2025 | $6,156.00 | $122,500 Land $18,400 Building $104,100 | $202,848 Land $30,469 Building $172,379 |
| 2023 | $122,500 (-) Land $18,400 Building $104,100 | $155,063 (+3.8%) Land $23,291 Building $131,772 | |
| 2022 | $122,500 Land $18,400 Building $104,100 | $149,390 Land $22,439 Building $126,951 | |
| 2021 | $5,668.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1220 Gerling St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 1220 Gerling St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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