2112 Gray St, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 2112 Gray St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,340 sqft · built 1927
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,650 (Mar 2026)
Tax Bill	$5,864 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage May 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`422800 48.20-7-21`

Property Details

APN / Parcel Number

Primary APN	`422800 48.20-7-21`
Alternative APN	`280004802000070210000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,340 sqft Living Area
1st Floor Area	586 sqft
2nd Floor Area	754 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 2024
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	123 ft deep x 90 ft wide
Porch	Slab
Porch Area	150 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2112 GRAY ST
City	SCHENECTADY
State	NY
Zip	12306-4302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,PT FORD TRACT - 212-214 3.-272-8.A
Legal Block	7
Legal Lot Number	21.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	2
Census Block	2001
Census Tract	33300

Owner

Source: Schenectady County and Rotterdam Town records, as of October 19, 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 Record
Mailing Address	23728 93RD RD, BELLEROSE, NY 11426-1064
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 30, 2023	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Nov 18, 2022	Quit Claim Deed, Transfer
Nov 18, 2022	Public Action, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	May 30, 2023 · Amount on Record
Deed Document Number	20264933
Deed Book / Page	2167 / 783
Prior Transfer Date	Nov 10, 2022
Prior Transfer Doc	0000061249
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 10, 2026
Property Address	2112 GRAY ST, SCHENECTADY, NY 12306-4302
Document Number	0000004933
Map Reference	CAB B MAP 80
Instrument Date	Feb 11, 2026
Instrument	202604933
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,116.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1138 WEBSTER ST, SCHENECTADY, NY 12303-1726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2112 54TH ST, SCHENECTADY, NY 12306

Mortgage

Document Number	0000004934
Date	Mar 10, 2026
Instrument	202604934

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 30, 2023
Property Address	2112 GRAY ST, SCHENECTADY, NY 12306-4302
Document Number	0000030723
Book / Page	2108 / 721
Map Reference	CAB B MAP 80
Instrument Date	Apr 28, 2023
Instrument	202330723
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	547 HAMILTON ST, ALBANY, NY 12203-1564

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 WEBSTER ST, SCHENECTADY, NY 12303-1726

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 18, 2022
Property Address	2112 GRAY ST, SCHENECTADY, NY 12306-4302
Document Number	0000061252
Book / Page	2097 / 224
Instrument Date	Nov 10, 2022
Instrument	202261252
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	620 STATE ST, 620, SCHENECTADY, NY 12305-2112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	547 HAMILTON ST, ALBANY, NY 12203-1564

November 2022: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 18, 2022
Property Address	2112 GRAY ST, SCHENECTADY, NY 12306-4302
Document Number	0000061249
Book / Page	2097 / 221
Instrument Date	Nov 10, 2022
Instrument	202261249
Transaction Type	Foreclosure
Record Updated	Dec 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 OLD FORT AVE, 3, SCHENECTADY, NY 12306-1121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 STATE ST, SCHENECTADY, NY 12305-2112
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$5,864.00 (+1.93%)
2025	$5,753.00	$157,000 (-) Land $9,800 Building $147,200	$241,500 (+16.89%) Land $15,075 Building $226,425
2023		$157,000 Land $9,800 Building $147,200	$206,600 Land $12,896 Building $193,704

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

Flood

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

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	ROTTERDAM WD #5 serves 28,000 people · EPA ID NY4600069
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2024–2026) 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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