1862 Gray St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 1862 Gray St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1928
Lot Size	0.13 acres (5,700 sqft)
Owner	Individual Name on Record
Last Sale	$226,200 (Jun 2026)
Tax Bill	$4,155 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.77-1-25`

Property Details

APN / Parcel Number

Primary APN	`421500 49.77-1-25`
Alternative APN	`150004907700010250000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	720 sqft
Upper Floors Area	288 sqft
Attic	Attic
Attic Area	288 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Bungalow
Exterior Material	Wood
Lot Area	5,700 sqft (0.13 acres)
Lot Dimensions	114 ft deep x 50 ft wide
Porch	Slab
Porch Area	238 sqft
Canopy	96 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1862 GRAY ST
City	SCHENECTADY
State	NY
Zip	12306-4821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	AGED AFFIDAVIT REQUIRED 1 WOOD
Legal Block	1
Legal Lot Number	25.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1011
Census Tract	33200

Owner

Source: Schenectady County and Schenectady City records, as of June 17, 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	1026 DELAMONT AVE, 2, SCHENECTADY, NY 12307-1802
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage PREMIUM MORTGAGE CORPORATION
Jan 27, 2023	Executor's Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on Record
Deed Sale	Jun 10, 2026 · Amount on Record
Prior Sale	Jan 27, 2023 · Amount on Record
Deed Document Number	202613171
Deed Book / Page	2173 / 619
Prior Transfer Date	Jun 28, 2000
Prior Transfer Doc	1581000214
Record Updated	Sep 20, 2026

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 10, 2026
Property Address	1862 GRAY ST, SCHENECTADY, NY 12306-4821
Document Number	0000013171
Book / Page	2173 / 619
Instrument Date	Jun 5, 2026
Instrument	202613171
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91,384.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013172,
Date	Jun 10, 2026
Instrument	202613172

Lender

Name	PREMIUM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 27, 2023
Property Address	1862 GRAY ST, SCHENECTADY, NY 12306-4821
Document Number	0000005086
Book / Page	2101 / 600
Instrument Date	Jan 17, 2023
Instrument	202305086
Transaction Type	Transfer
Record Updated	Feb 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$574.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 WHITTIER RD, SPENCERPORT, NY 14559-9746

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1862 GRAY ST, SCHENECTADY, NY 12306-4821

Mortgage

Document Number	0000005087
Date	Jan 27, 2023
Instrument	202305087

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,155.00 (+66.73%)	$78,200 (-) Land $11,700 Building $66,500	$129,492 (+30.82%) Land $19,374 Building $110,118
2023		$78,200 (-) Land $11,700 Building $66,500	$98,987 (+3.8%) Land $14,810 Building $84,177
2022		$78,200 Land $11,700 Building $66,500	$95,366 Land $14,268 Building $81,098
2021	$2,492.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Policies	1 in force
Nearby Flood Claims	2 (1979–2003)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2003 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 264 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

May also be available: Greenlight Networks.

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