Schenectady County and Niskayuna Town property record for 40 Gala Pl, Schenectady, NY 12309
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (May 2026) |
| Tax Bill | $3,034 (2026) |
| Deeds & Mortgages | Feb 2024 Line of Credit May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 61.15-2-43 |
| Primary APN | 422400 61.15-2-43 |
|---|
| Lot Area | 25,700 sqft (0.59 acres) |
|---|---|
| Lot Dimensions | 287 ft deep x 125 ft wide |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 40 GALA PL |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-3154 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | R1 |
| Legal Subdivision | J E CERONE SUBDIVISION |
| Legal Block | 2 |
| Legal Lot Number | 43.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 31901 |
Source: Schenectady County and Niskayuna Town 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1092 MERLIN DR, SCHENECTADY, NY 12309-1600 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 9, 2024 | Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION |
| May 6, 2026 | Warranty Deed · Conventional Mortgage TRUSTCO BANK |
| Feb 27, 2026 | Warranty Deed, Transfer |
| Dec 3, 2025 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2026 · Amount on Record |
| Deed Sale | May 6, 2026 · Amount on Record |
| Prior Sale | Feb 27, 2026 · Amount on Record |
| Deed Document Number | 202610616 |
| Deed Book / Page | 2171 / 830 |
| Prior Transfer Date | Nov 18, 2025 |
| Prior Transfer Doc | 0000028285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 40 GALA PL, SCHENECTADY, NY 12309-3154 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000008180 |
|---|---|
| Date | Feb 9, 2024 |
| Book Page | 5357/934 |
| Instrument | 202408180 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 6, 2026 |
| Property Address | 40 GALA PL, SCHENECTADY, NY 12309-3154 |
| Document Number | 0000010616 |
| Book / Page | 2171 / 830 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 2026.10616 |
| Record Updated | May 19, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount Recorded |
|---|---|
| Tax | $121,200.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1092 MERLIN DR, SCHENECTADY, NY 12309-1600 |
| Document Number | 0000010617, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 2026.10617 |
| Name | TRUSTCO BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 30, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 27, 2026 |
| Property Address | 40 GALA PL, SCHENECTADY, NY 12309-3154 |
| Document Number | 0000004150 |
| Instrument Date | Feb 10, 2026 |
| Instrument | 202604150 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $660.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28 GALA PL, NISKAYUNA, NY 12309-3154 |
| Name | Verified Name |
|---|---|
| Address | 28 GALA PL, NISKAYUNA, NY 12309-3154 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 3, 2025 |
| Property Address | 40 GALA PL, SCHENECTADY, NY 12309-3154 |
| Document Number | 0000028285 |
| Map Reference | MAP M250-M255 |
| Instrument Date | Nov 18, 2025 |
| Instrument | 202528285 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28 GALA PL, NISKAYUNA, NY 12309-3154 |
| Name | Verified Name |
|---|---|
| Address | 28 GALA PL, NISKAYUNA, NY 12309-3154 |
Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Niskayuna Town |
| Unified School District | Niskayuna Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,034.00 (+1.51%) | ||
| 2025 | $2,989.00 | $68,800 (-) Land $68,800 | $101,900 (+11.08%) Land $101,900 |
| 2024 | $68,800 (-) Land $68,800 | $91,733 (+5.32%) Land $91,733 | |
| 2023 | $68,800 Land $68,800 | $87,100 Land $87,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 230 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
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