826 Gerling St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 826 Gerling St, Schenectady, NY 12308

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1930
Lot Size	0.209 acres (9,120 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Apr 2021)
Tax Bill	$7,396 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.36-4-4`

Property Details

APN / Parcel Number

Primary APN	`421500 39.36-4-4`
Alternative APN	`150003903600040040000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	1,050 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	9,120 sqft (0.209 acres)
Lot Dimensions	120 ft deep x 76 ft wide
Porch	Slab
Porch Area	183 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	826 GERLING ST
City	SCHENECTADY
State	NY
Zip	12308-1204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	24 1 WOOD
Legal Subdivision	SECOND ADDITION BANKER TRACT
Legal Block	4
Legal Lot Number	4.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1001
Census Tract	20102

Owner

826 Gerling St is owned and occupied by two individuals who bought it in April 2021.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	826 GERLING ST, SCHENECTADY, NY 12308-1204
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2021 · Amount on File
Deed Sale	Apr 20, 2021 · Amount on File
Prior Sale	Mar 13, 2020 · Amount on File
Deed Document Number	202117421
Deed Book / Page	2056 / 898
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 20, 2021
Property Address	826 GERLING ST, SCHENECTADY, NY 12308-1204
Document Number	0000017421
Book / Page	2056 / 899
Instrument Date	Apr 5, 2021
Instrument	202117421
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 REMBRANDT DR, 10, NISKAYUNA, NY 12309-1174

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 UNIVERSITY PL APT 2R, 2R, SCHENECTADY, NY 12308-2723

Mortgage

Document Number	0000017423
Date	Apr 20, 2021
Instrument	202117423

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 826 Gerling St was $7,396, up 1.8% from the year before.

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	$7,396.00 (+1.78%)
2025	$7,267.00	$149,600 Land $14,200 Building $135,400	$247,723 Land $23,514 Building $224,209
2023		$149,600 (-) Land $14,200 Building $135,400	$189,367 (+3.8%) Land $17,975 Building $171,392
2022		$149,600 Land $14,200 Building $135,400	$182,439 Land $17,317 Building $165,122
2021	$5,802.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 826 Gerling St in Zone X, an area of minimal flood risk.

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	1 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.

Wildfire

Wildfire risk around 826 Gerling St is low, with less than a 0.01% annual chance of wildfire.

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.

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 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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