Schenectady County and Schenectady City property record for 2945 Gibson St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,032 sqft · built 1958 |
| Lot Size | 0.227 acres (9,900 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $257,000 (Oct 2026) |
| Tax Bill | $5,402 (2026) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.54-2-54 |
| Primary APN | 421500 60.54-2-54 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,032 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Basement Area | 432 sqft |
| Finished Basement | 432 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 9,900 sqft (0.227 acres) |
| Lot Dimensions | 150 ft deep x 66 ft wide |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 306 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2945 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 | 1 BRICK AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 54.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 21802 |
Source: Schenectady County and Schenectady City records, as of October 13, 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 Record |
|---|---|
| Mailing Address | 10 PHEASANT RUN, 6, VOORHEESVILLE, NY 12186-8813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on Record |
| Deed Sale | Oct 1, 2026 · Amount on Record |
| Prior Sale | Feb 8, 1998 |
| Deed Document Number | 202621861 |
| Deed Book / Page | 2180 / 757 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 1, 2026 |
| Property Address | 2945 GIBSON ST, SCHENECTADY, NY 12304-3635 |
| Document Number | 0000021861 |
| Book / Page | 2180 / 757 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 202621861 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2026 |
| Title Company | MERIDIAN RESEARCH GROUP LLC, MERIDIAN RESEARCH GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $103,828.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000021862, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 202621862 |
| Name | HOMESTEAD FUNDING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,402.00 (+2.08%) Veteran's exemption | ||
| 2025 | $5,292.00 (+18.76%) | $120,700 (-) Land $18,100 Building $102,600 | $199,868 (+30.82%) Land $29,972 Building $169,896 |
| 2023 | $120,700 (-) Land $18,100 Building $102,600 | $152,785 (+3.8%) Land $22,911 Building $129,874 | |
| 2022 | $120,700 Land $18,100 Building $102,600 | $147,195 Land $22,073 Building $125,122 | |
| 2021 | $4,456.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures