2038 Gray St, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 2038 Gray St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,779 sqft · built 1930
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Feb 2024)
Tax Bill	$5,273 (2026)
Deeds & Mortgages	Feb 2024 Sale Dec 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`422800 48.20-8-2`

Property Details

APN / Parcel Number

Primary APN	`422800 48.20-8-2`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,779 sqft Living Area
1st Floor Area	1,374 sqft
Upper Floors Area	257 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	100 ft deep x 95 ft wide
Garage Type	Mixed
Garage Area	200 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2038 GRAY ST
City	SCHENECTADY
State	NY
Zip	12306-4337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G GRAY ST - PTS219-221 TAX MAP
Legal Subdivision	JAMES FORD FARM
Legal Block	8
Legal Lot Number	2.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	2
Census Block	2000
Census Tract	33300

Owner

2038 Gray St is owned and occupied by two individuals who bought it in February 2024.

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2038 GRAY ST, SCHENECTADY, NY 12306-4337
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2024	Warranty Deed, Transfer
Dec 6, 2017	Deed of Trust, Mortgage · FHA Mortgage SEFCU MTG SVCS
Dec 18, 2017	Warranty Deed, Transfer
Mar 21, 2017	Trustee's Deed, Construction Loan · Construction Mortgage LENDINGHOME FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2024 · Amount on File
Deed Sale	Feb 14, 2024 · Amount on File
Prior Sale	Dec 18, 2017 · Amount on File
Deed Document Number	20249506
Deed Book / Page	2125 / 596
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 14, 2024
Property Address	2038 GRAY ST, SCHENECTADY, NY 12306-4337
Document Number	0000009506
Book / Page	2125 / 596
Map Reference	LB 88 PG 293
Instrument Date	Feb 2, 2024
Instrument	202409506
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Amount	Amount on Record
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2038 GRAY ST, SCHENECTADY, NY 12306-4337

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1250 MAIN ST, SCHENECTADY, NY 12303-1819

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2038 GRAY ST, SCHENECTADY, NY 12306-4337
Document Number	0000015384
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1828 JEROME AVE SCHENECTADY NY 123064806, SCHENECTADY, NY 12306-4806

Mortgage

Document Number	0000015384
Date	Apr 12, 2018
Book Page	004830/000580
Instrument	15384

Lender

Name	SEFCU MTG SVCS
Type	Mortgage Company
Address	ALBANY, NY 12206

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 18, 2017
Property Address	2038 GRAY ST, SCHENECTADY, NY 12306-4337
Document Number	0000056759
Book / Page	1977 / 693
Instrument Date	Dec 6, 2017
Instrument	201756759
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 EAGLE ST, 2, SCHENECTADY, NY 12307-1104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1828 JEROME AVE, SCHENECTADY, NY 12306-4806

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 21, 2017
Property Address	2038 GRAY ST, SCHENECTADY, NY 12306-4337
Book / Page	004750 / 000080
Instrument Date	Mar 8, 2017
Instrument	12588
Transaction Type	Construction Loan
Record Updated	Mar 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 EAGLE ST SCHENECTADY NY 123071104, SCHENECTADY, NY 12307-1104

Mortgage

Document Number	0000012588
Date	Mar 21, 2017
Book Page	004750/000080
Instrument	12588

Lender

Name	LENDINGHOME FNDG
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 2038 Gray St was $5,273, up 1.6% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,273.00 (+1.62%)
2025	$5,189.00	$141,900 Land $8,600 Building $133,300	$218,300 Land $13,230 Building $205,070
2023		$141,900 Land $8,600 Building $133,300	$186,700 Land $11,315 Building $175,385

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2038 Gray 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.

Wildfire

The area around 2038 Gray 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.

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 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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