2902 Gibson St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 2902 Gibson St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,350 sqft · built 1945
Lot Size	0.213 acres (9,300 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Nov 2021)
Tax Bill	$6,530 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`421500 60.61-2-5`

Property Details

APN / Parcel Number

Primary APN	`421500 60.61-2-5`
Alternative APN	`150006006100020050000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	1,000 sqft
Upper Floors Area	350 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,300 sqft (0.213 acres)
Lot Dimensions	150 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2902 GIBSON ST
City	SCHENECTADY
State	NY
Zip	12304-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	1 BRICK
Legal Subdivision	PROPERTY BELONGING TO GEORGE W WILLIAMS
Legal Block	2
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2902 GIBSON ST, SCHENECTADY, NY 12304-3634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · FHA Mortgage WINTRUST MORTGAGE
Jan 21, 2022	Deed of Trust, Mortgage · FHA Mortgage WINTRUST MORTGAGE
Jan 13, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY RESOURCE FCU
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEFCU
Mar 9, 2017	Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2021 · Amount on File
Deed Sale	Nov 3, 2021 · Amount on File
Prior Sale	Mar 9, 2017 · Amount on File
Deed Document Number	202154885
Deed Book / Page	2070 / 740
Prior Transfer Date	Sep 29, 2009
Prior Transfer Doc	0000043809
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2902 GIBSON ST, SCHENECTADY, NY 12304-3634
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2902 GIBSON ST, SCHENECTADY, NY 12304-3634

Mortgage

Document Number	0000054886
Date	Nov 3, 2021
Book Page	5163/876
Instrument	202154886

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2902 GIBSON ST, SCHENECTADY, NY 12304-3634
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2902 GIBSON ST, SCHENECTADY, NY 12304-3634

Mortgage

Document Number	0000003638
Date	Jan 21, 2022
Book Page	5193/64
Instrument	202203638

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2051

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2902 GIBSON ST, SCHENECTADY, NY 12304-3634
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2902 GIBSON ST, SCHENECTADY, NY 12304-3634

Mortgage

Document Number	0000000792
Date	Jan 13, 2026
Instrument	202600792

Lender

Name	COMMUNITY RESOURCE FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 12, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2902 GIBSON ST, SCHENECTADY, NY 12304-3634
Document Number	0000015937
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2902 GIBSON ST SCHENECTADY NY 123043634, SCHENECTADY, NY 12304-3634

Mortgage

Document Number	0000015937
Date	Jun 3, 2020
Book Page	004993/000328
Instrument	15937

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 9, 2017
Property Address	2902 GIBSON ST, SCHENECTADY, NY 12304-3634
Document Number	0000010716
Book / Page	1958 / 402
Instrument Date	Mar 7, 2017
Instrument	201710716
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	OLD REPUBLIC NATL TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2902 GIBSON ST, 2902, SCHENECTADY, NY 12304-3634

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	34 GARFIELD AVE, SCHENECTADY, NY 12304-1824

Mortgage

Document Number	0000010720
Date	Mar 9, 2017
Instrument	201710720

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

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	$6,530.00 (+1.94%)
2025	$6,406.00 (+3.98%)	$133,200 (-) Land $20,000 Building $113,200	$220,566 (+30.82%) Land $33,118 Building $187,448
2023		$133,200 (-) Land $20,000 Building $113,200	$168,608 (+3.8%) Land $25,317 Building $143,291
2022		$133,200 Land $20,000 Building $113,200	$162,439 Land $24,390 Building $138,049
2021	$6,161.00

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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