2955 Gibson St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 2955 Gibson St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 792 sqft · built 1968
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on Record
Last Sale	$136,000 (Sep 2008)
Tax Bill	$6,654 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 60.54-2-53`

Property Details

APN / Parcel Number

Primary APN	`421500 60.54-2-53`
Alternative APN	`150006005400020530000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	150 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2955 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	53.000
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	2955 GIBSON ST, SCHENECTADY, NY 12304-3635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Nov 26, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Aug 25, 2020	Warranty Deed, Transfer JUDICIAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2008 · Amount on Record
Deed Sale	Sep 29, 2008 · Amount on Record
Prior Sale	May 21, 1998 · Amount on Record
Deed Book / Page	1790 / 633
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 14, 2026
Property Address	2955 GIBSON ST, SCHENECTADY, NY 12304-3635
Document Number	0000018120
Instrument Date	Jul 27, 2026
Instrument	202618120
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SMPR TITLE AGENCY INC, SMPR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2955 GIBSON ST, SCHENECTADY, NY 12304-3635

Mortgage

Document Number	0000018120,
Date	Aug 14, 2026
Instrument	202618120

Lender

Name	NEW AMERICAN FUNDING

Agreement

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

Interest

Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2955 GIBSON ST, SCHENECTADY, NY 12304-3635
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LIBERTY TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053358
Date	Nov 26, 2019
Book Page	4956/343
Instrument	201953358

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 18, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 25, 2020
Property Address	2955 GIBSON ST, SCHENECTADY, NY 12304-3635
Document Number	0000024898
Book / Page	002040 / 000290
Instrument Date	Aug 14, 2020
Instrument	24898
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	JUDICIAL TITLE

Transaction

Amount	Amount Recorded
Tax	$600.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1576 STATE ST SCHENECTADY NY 123041528, SCHENECTADY, NY 12304-1528

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	$6,654.00 (+1.91%)
2025	$6,529.00 (+3.93%)	$136,200 (-) Land $20,400 Building $115,800	$225,534 (+30.82%) Land $33,780 Building $191,754
2023		$136,200 (-) Land $20,400 Building $115,800	$172,405 (+3.8%) Land $25,823 Building $146,582
2022		$136,200 Land $20,400 Building $115,800	$166,098 Land $24,878 Building $141,220
2021	$6,282.00

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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