829 Gerling St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 829 Gerling St, Schenectady, NY 12308

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,350 sqft · built 1925
Lot Size	0.067 acres (2,925 sqft)
Owner	Individual Name on File
Last Sale	$138,000 (Jul 2023)
Tax Bill	$5,409 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.36-2-30`

Property Details

APN / Parcel Number

Primary APN	`421500 39.36-2-30`
Alternative APN	`150003903600020300000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,350 sqft Living Area
1st Floor Area	800 sqft
2nd Floor Area	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	2,925 sqft (0.067 acres)
Lot Dimensions	75 ft deep x 39 ft wide
Porch	Slab
Porch Area	718 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	829 GERLING ST
City	SCHENECTADY
State	NY
Zip	12308-1203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	BLOCK J 2 WOOD
Legal Subdivision	SECOND EDITION BANKER TRUST
Legal Block	2
Legal Lot Number	30.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2019
Census Tract	20102

Owner

829 Gerling St is owned by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	901 DRAPER AVE, SCHENECTADY, NY 12306-3000
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

Date	Document
Jul 14, 2023	Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Jul 1, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jun 19, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage SEFCU MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2023 · Amount on File
Deed Sale	Jul 14, 2023 · Amount on File
Prior Sale	Jul 1, 2022 · Amount on File
Deed Document Number	202340287
Deed Book / Page	2111 / 885
Prior Transfer Date	Jun 11, 2019
Prior Transfer Doc	0000027771
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 14, 2023
Property Address	829 GERLING ST, SCHENECTADY, NY 12308-1203
Document Number	0000040287
Book / Page	2111 / 885
Instrument Date	Jun 29, 2023
Instrument	202340287
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$552.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 BOYLSTON ST, MERIDEN, CT 06450-4737

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	901 DRAPER AVE, SCHENECTADY, NY 12306-3000

Mortgage

Document Number	0000040288
Date	Jul 14, 2023
Instrument	202340288

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 1, 2022
Property Address	829 GERLING ST, SCHENECTADY, NY 12308-1203
Document Number	0000034683
Book / Page	2087 / 719
Instrument Date	Jun 9, 2022
Instrument	202234683
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 GRISSOM DR, 7, CLIFTON PARK, NY 12065-7228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 BOYLSTON ST, MERIDEN, CT 06450-4737

Mortgage

Document Number	0000034684
Date	Jul 1, 2022
Instrument	202234684

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 19, 2019
Property Address	829 GERLING ST, SCHENECTADY, NY 12308-1203
Document Number	0000027771
Book / Page	2013 / 249
Instrument Date	Jun 11, 2019
Instrument	201927771
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 GERLING ST, SCHENECTADY, NY 12308-1203

Mortgage

Document Number	0000027773
Date	Jun 19, 2019
Instrument	201927773

Lender

Name	SEFCU MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 829 Gerling St was $5,409, down 1.7% 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	$5,409.00 (-1.69%)
2025	$5,502.00	$100,300 Land $15,000 Building $85,300	$166,087 Land $24,839 Building $141,248
2023		$100,300 (-) Land $15,000 Building $85,300	$126,962 (+3.8%) Land $18,987 Building $107,975
2022		$100,300 Land $15,000 Building $85,300	$122,317 Land $18,293 Building $104,024
2021	$4,787.00

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

Flood

FEMA maps place 829 Gerling St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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
Nearby Flood Claims	2 (2008–2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2026 · 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.

Wildfire

Wildfire risk around 829 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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