Schenectady County and Schenectady City property record for 40 Gebhardt St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 869 sqft · built 1965 |
| Lot Size | 0.191 acres (8,320 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Jun 2024) |
| Tax Bill | $4,822 (2026) |
| Deeds & Mortgages | Jun 2024 Sale & Mortgage Apr 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.47-1-30 |
| Primary APN | 421500 60.47-1-30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 869 sqft Living Area |
| 1st Floor Area | 869 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,320 sqft (0.191 acres) |
| Lot Dimensions | 160 ft deep x 52 ft wide |
| Porch | Slab |
| Porch Area | 444 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 40 GEBHARDT ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | AND PT OF 11 1 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 30.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 21802 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 40 GEBHARDT ST, SCHENECTADY, NY 12304-2010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 17, 2024 | Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF SCOTIA |
| Apr 3, 2024 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2024 · Amount on Record |
| Deed Sale | Jun 17, 2024 · Amount on Record |
| Deed Document Number | 202436694 |
| Deed Book / Page | 2132 / 828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 17, 2024 |
| Property Address | 40 GEBHARDT ST, SCHENECTADY, NY 12304-2010 |
| Document Number | 0000036694 |
| Book / Page | 2132 / 828 |
| Instrument Date | May 31, 2024 |
| Instrument | 202436694 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 212 PLEASANTVIEW AVE, SCOTIA, NY 12302-1716 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 40 GEBHARDT ST, SCHENECTADY, NY 12304-2010 |
| Document Number | 0000036695 |
|---|---|
| Date | Jun 17, 2024 |
| Instrument | 202436695 |
| Name | FIRST NATIONAL BANK OF SCOTIA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.55% |
| Type Change Date | Jun 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 6.05% |
| Max Rate At Change | 7.55% |
| Index | 1-Year T-Bill |
| Margin | 3 |
| Max Rate | 11.5% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 3, 2024 |
| Property Address | 40 GEBHARDT ST, SCHENECTADY, NY 12304-2010 |
| Document Number | 0000019392 |
| Book / Page | 2128 / 107 |
| Instrument Date | Mar 15, 2024 |
| Instrument | 202419392 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 GEBHARDT ST, SCHENECTADY, NY 12304-2010 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 212 PLEASANTVIEW AVE, SCOTIA, NY 12302-1716 |
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 | $4,822.00 (+2.36%) | ||
| 2025 | $4,711.00 (+167.52%) | $91,800 (-) Land $13,800 Building $78,000 | $152,012 (+30.82%) Land $22,851 Building $129,161 |
| 2023 | $91,800 (-) Land $13,800 Building $78,000 | $116,203 (+3.8%) Land $17,468 Building $98,735 | |
| 2022 | $91,800 Land $13,800 Building $78,000 | $111,951 Land $16,829 Building $95,122 | |
| 2021 | $1,761.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 97% of the US · lower than 96% 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: 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 514 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 · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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