Schenectady County and Schenectady City property record for 2031 Gray St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,025 sqft · built 1953 |
| Lot Size | 0.33 acres (14,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $257,500 (Aug 2025) |
| Tax Bill | $6,031 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.84-1-19 |
| Primary APN | 421500 48.84-1-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,025 sqft Living Area |
| 1st Floor Area | 850 sqft |
| Upper Floors Area | 175 sqft |
| Basement Area | 578 sqft |
| Finished Basement | 578 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,400 sqft (0.33 acres) |
| Lot Dimensions | 120 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 350 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 210 sqft |
| Patio Area | 390 sqft |
| Shed | 1 Shed |
| Canopy | 160 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2031 GRAY ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-4336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 184-185-186 1 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 19.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 33200 |
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9 CENTRAL AVE, 1, RAVENA, NY 12143-1313 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2025 · Amount on Record |
| Deed Sale | Aug 22, 2025 · Amount on Record |
| Prior Sale | May 19, 2014 · Amount on Record |
| Deed Document Number | 202520012 |
| Deed Book / Page | 2155 / 436 |
| Prior Transfer Date | Dec 6, 2012 |
| Prior Transfer Doc | 0000052615 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 2031 GRAY ST, SCHENECTADY, NY 12306-4336 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | UNKNOWN, SPA CITY TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 9 CENTEAL AVE #1 1, 1, RAVENA, NY 12143-1313 |
| Document Number | 0000023756 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | 202523756 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
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 | $6,031.00 (+2.03%) | ||
| 2025 | $5,911.00 (+4.51%) | $118,800 (-) Land $20,300 Building $98,500 | $196,721 (+30.82%) Land $33,615 Building $163,106 |
| 2023 | $118,800 (-) Land $20,300 Building $98,500 | $150,380 (+3.8%) Land $25,696 Building $124,684 | |
| 2022 | $118,800 Land $20,300 Building $98,500 | $144,878 Land $24,756 Building $120,122 | |
| 2021 | $5,656.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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 844 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 |
May also be available: Greenlight Networks.
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