2101 Gray St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 2101 Gray St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,102 sqft · built 1920
Lot Size	0.096 acres (4,200 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Nov 2025)
Tax Bill	$5,844 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 48.84-1-21`

Property Details

APN / Parcel Number

Primary APN	`421500 48.84-1-21`
Alternative APN	`150004808400010210000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,102 sqft Living Area
1st Floor Area	1,102 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	4,200 sqft (0.096 acres)
Lot Dimensions	120 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	162 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2101 GRAY ST
City	SCHENECTADY
State	NY
Zip	12306-4301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	FORD MAP 1 WOOD AND GARAGE
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2008
Census Tract	33200

Owner

2101 Gray St is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	2101 GRAY ST, SCHENECTADY, NY 12306-4301
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2025 · Amount on File
Deed Sale	Nov 20, 2025 · Amount on File
Prior Sale	Jun 3, 2015 · Amount on File
Deed Document Number	202527519
Deed Book / Page	2161 / 212
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 20, 2025
Property Address	2101 GRAY ST, SCHENECTADY, NY 12306-4301
Document Number	0000027519
Map Reference	MAP B 80
Instrument Date	Oct 17, 2025
Instrument	202527519
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	UNKNOWN, CATIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1739 ALTAMONT AVE, SCHENECTADY, NY 12303-2105

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	248 STATE ST, ALBANY, NY 12210-2132

Mortgage

Document Number	0000027520
Date	Nov 20, 2025
Instrument	202527520

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 2101 Gray St was $5,844, up 2.1% from the year before.

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
2026	$5,844.00 (+2.08%)
2025	$5,725.00	$117,700 (-) Land $17,700 Building $100,000	$194,900 (+13.35%) Land $29,310 Building $165,590
2024		$117,700 (-) Land $17,700 Building $100,000	$171,950 (+15.41%) Land $25,858 Building $146,092
2023		$117,700 (-) Land $17,700 Building $100,000	$148,987 (+3.8%) Land $22,405 Building $126,582
2022		$117,700 Land $17,700 Building $100,000	$143,537 Land $21,585 Building $121,952
2021	$5,493.00

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

Flood

FEMA maps place 2101 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 2101 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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