Schenectady County and Schenectady City property record for 518 Gerling St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,017 sqft · built 1900 |
| Lot Size | 0.075 acres (3,270 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $90,000 (Jun 2009) |
| Tax Bill | $3,579 (2026) |
| Deeds & Mortgages | Apr 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.35-2-3 |
| Primary APN | 421500 39.35-2-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,017 sqft Living Area |
| 1st Floor Area | 1,017 sqft |
| Basement Area | 990 sqft |
| Finished Basement | 990 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,270 sqft (0.075 acres) |
| Lot Dimensions | 109 ft deep x 30 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 113 sqft |
| Shed | 1 Shed |
| Canopy | 20 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 518 GERLING ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-1226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 1 WOOD |
| Legal Block | 2 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 20200 |
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 | 518 GERLING ST, SCHENECTADY, NY 12308-1226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2009 · Amount on Record |
| Deed Sale | Jun 25, 2009 · Amount on Record |
| Prior Sale | Jun 25, 2009 · Amount on Record |
| Deed Book / Page | 1803 / 277 |
| Last Transfer Date | Jul 18, 2025 |
| Transfer Doc | 0000019962 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 518 GERLING ST, SCHENECTADY, NY 12308-1226 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 518 GERLING ST, SCHENECTADY, NY 12308-1226 |
| Document Number | 0000021066 |
|---|---|
| Date | Apr 13, 2023 |
| Book Page | 5299/688 |
| Instrument | 202321066 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 12, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,579.00 (+4.59%) Homeowner's exemption | ||
| 2025 | $3,422.00 (+12.01%) | $70,700 (-) Land $10,600 Building $60,100 | $117,072 (+30.82%) Land $17,553 Building $99,519 |
| 2023 | $70,700 (-) Land $10,600 Building $60,100 | $89,494 (+3.8%) Land $13,418 Building $76,076 | |
| 2022 | $70,700 Land $10,600 Building $60,100 | $86,220 Land $12,927 Building $73,293 | |
| 2021 | $3,055.00 |
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 · 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 Claims | 2 (1978) |
| Most Recent Claim | Jan 1978 · rainfall accumulation |
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 99.1% of the US · lower than 99.2% 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 512 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 |
May also be available: T-Mobile.
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