2901 Gibson St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 2901 Gibson St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,390 sqft · built 2008
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Sep 2019)
Tax Bill	$8,010 (2026)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`421500 60.53-1-5`

Property Details

APN / Parcel Number

Primary APN	`421500 60.53-1-5`
Alternative APN	`150006005300010050000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,390 sqft Living Area
1st Floor Area	1,390 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	35 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2901 GIBSON ST
City	SCHENECTADY
State	NY
Zip	12304-3635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	VACANT LOT
Legal Block	1
Legal Lot Number	5.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2019
Census Tract	21802

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 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	2901 GIBSON ST, SCHENECTADY, NY 12304-3635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2019	Grant Deed, Transfer · Conventional with PMI SEFCU
Jun 13, 2018	Deed of Trust, Mortgage · Line of Credit SUNMARK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2019 · Amount on Record
Deed Sale	Sep 10, 2019 · Amount on Record
Prior Sale	Jul 29, 2014 · Amount on Record
Deed Document Number	201940492
Deed Book / Page	2019 / 503
Record Updated	Oct 29, 2026

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 10, 2019
Property Address	2901 GIBSON ST, SCHENECTADY, NY 12304-3635
Document Number	0000040492
Book / Page	002019 / 000503
Instrument Date	Jul 31, 2019
Instrument	40492
Transaction Type	Transfer
Record Updated	Oct 11, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 ROOSEVELT AVE SCHENECTADY NY 123041825, SCHENECTADY, NY 12304-1825

Mortgage

Document Number	40493
Date	Sep 10, 2019
Book Page	004937/000247
Instrument	40493

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2901 GIBSON ST, SCHENECTADY, NY 12304-3635
Document Number	0000029528
Instrument Date	Jun 13, 2018
Transaction Type	Mortgage
Record Updated	Jul 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2901 GIBSON ST SCHENECTADY NY 123043635, SCHENECTADY, NY 12304-3635

Mortgage

Document Number	0000029528
Date	Jul 6, 2018
Book Page	004848/000188
Instrument	29528

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 5, 2038

Interest

Rate Type	Adjustable Rate

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
2026	$8,010.00 (+1.7%)
2025	$7,876.00 (+3.91%)	$163,350 (-) Land $28,400 Building $134,950	$270,492 (+30.82%) Land $47,028 Building $223,464
2023		$163,350 (-) Land $28,400 Building $134,950	$206,772 (+3.8%) Land $35,949 Building $170,823
2022		$163,350 Land $28,400 Building $134,950	$199,207 Land $34,634 Building $164,573
2021	$7,580.00

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	Low lower than 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 248 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: T-Mobile.

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