Schenectady County and Schenectady City property record for 2109 Gray St, Schenectady, NY 12306 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,145 sqft · built 1920 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,940 (2025) |
| Deeds & Mortgages | Jan 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.84-1-23 |
| Primary APN | 421500 48.84-1-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,145 sqft Living Area |
| 1st Floor Area | 846 sqft |
| Upper Floors Area | 299 sqft |
| Attic | Attic |
| Attic Area | 299 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 338 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2109 GRAY ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-4301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AND PART OF 193 1 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 23.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 33200 |
Source: Schenectady County and Schenectady City records · APN 421500 48.84-1-23
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2109 GRAY ST, SCHENECTADY, NY 12306-4301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 27, 2004 |
| Deed Sale | Oct 27, 2004 |
| Prior Sale | Sep 22, 1995 · Amount on Record |
| Deed Book / Page | 1691 / 83 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 2109 GRAY ST, SCHENECTADY, NY 12306-4301 |
| Document Number | 0000004522 |
| Instrument Date | Jan 06, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 2109 GRAY ST SCHENECTADY NY 123064301, SCHENECTADY, NY 12306-4301 |
| Document Number | 0000004522 |
|---|---|
| Date | Jan 30, 2017 |
| Book Page | 004739/000441 |
| Instrument | 4522 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 29, 2037 |
| Rate Type | Adjustable Rate |
|---|
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,940.00 (+10.18%) | $84,500 (-) Land $12,700 Building $71,800 | $139,924 (+30.82%) Land $21,030 Building $118,894 |
| 2023 | $84,500 (-) Land $12,700 Building $71,800 | $106,962 (+3.8%) Land $16,076 Building $90,886 | |
| 2022 | $84,500 Land $12,700 Building $71,800 | $103,049 Land $15,488 Building $87,561 | |
| 2021 | $3,576.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 844 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fiber | 980 / 880 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Greenlight Networks Holding, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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