2121 Gray St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 2121 Gray St, Schenectady, NY 12306

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,260 sqft · built 1920
Lot Size	0.224 acres (9,775 sqft)
Owner	Individual Name on Record
Tax Bill	$5,275 (2021)
Deeds & Mortgages	Jan 2018 Line of Credit Oct 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`421500 48.84-1-25`

Property Details

APN / Parcel Number

Primary APN	`421500 48.84-1-25`
Alternative APNs	`150004808400010250000000` `ROTT`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,260 sqft Total Area
1st Floor Area	1,300 sqft
2nd Floor Area	480 sqft
Upper Floors Area	480 sqft
Game Room	Game Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	9,775 sqft (0.224 acres)
Lot Dimensions	115 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	380 sqft
Porch	Slab
Porch Area	125 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	ROTT
Street Address	2121 GRAY ST
City	SCHENECTADY
State	NY
Zip	12306-4301
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	AGED AFFIDAVIT REQUIRED 1 1/2 WOOD & GAR
Legal Block	1
Legal Lot Number	25.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2008
Census Tract	33200

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2121 GRAY ST, SCHENECTADY, NY 12306-4301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2018	Deed of Trust, Mortgage · Line of Credit SUNMARK FCU
Oct 17, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 20, 2010
Transfer Doc	0000012486
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2121 GRAY ST, SCHENECTADY, NY 12306-4301
Document Number	0000003531
Book / Page	004815 / 000292
Instrument Date	Jan 4, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2121 GRAY ST SCHENECTADY NY 123064301, SCHENECTADY, NY 12306-4301

Mortgage

Document Number	0000003531
Date	Jan 23, 2018
Book Page	004815/000292
Instrument	3531

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 22, 2038

Interest

Rate Type	Adjustable Rate

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 17, 2017
Property Address	2121 GRAY ST, SCHENECTADY, NY 12306-4301
Document Number	0000046821
Book / Page	001973 / 000406
Instrument Date	Oct 5, 2017
Instrument	46821
Transaction Type	Transfer
Record Updated	Oct 23, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2121 GRAY ST SCHENECTADY NY 123064301, SCHENECTADY, NY 12306-4301

Tax Assessment & Valuation

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
2025		$132,900 (-) Land $19,900 Building $113,000	$220,070 (+30.82%) Land $32,953 Building $187,117
2023		$132,900 (-) Land $19,900 Building $113,000	$168,228 (+3.8%) Land $25,190 Building $143,038
2022		$132,900 Land $19,900 Building $113,000	$162,073 Land $24,268 Building $137,805
2021	$5,275.00

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	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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