Schenectady County and Schenectady City property record for 1022 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,265 sqft · built 1905 |
| Lot Size | 0.164 acres (7,182 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $124,000 (Oct 2017) |
| Tax Bill | $5,998 (2026) |
| Deeds & Mortgages | Sep 2023 Line of Credit Dec 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.30-1-24 |
| Primary APN | 421500 50.30-1-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,265 sqft Living Area |
| 1st Floor Area | 671 sqft |
| 2nd Floor Area | 594 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,182 sqft (0.164 acres) |
| Lot Dimensions | 189 ft deep x 38 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 298 sqft |
| Patio Area | 80 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1022 GARNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 2 WOOD |
| Legal Subdivision | LOTS BELONGING TO THOMAS D PASHLEY |
| Legal Block | 1 |
| Legal Lot Number | 24.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 20500 |
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 | 1022 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2023 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Dec 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Oct 1, 2020 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Dec 30, 2021 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Oct 30, 2017 | Warranty Deed, Transfer · Conventional Mortgage SARATOGA NATIONAL BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2017 · Amount on Record |
| Deed Sale | Oct 30, 2017 · Amount on Record |
| Prior Sale | Apr 7, 2015 · Amount on Record |
| Deed Document Number | 201749215 |
| Deed Book / Page | 1974 / 285 |
| Prior Transfer Date | Nov 27, 2009 |
| Prior Transfer Doc | 0000050176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1022 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1022 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000054765 |
|---|---|
| Date | Sep 27, 2023 |
| Book Page | 5332/931 |
| Instrument | 202354765 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 7, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1022 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1022 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000061171 |
|---|---|
| Date | Dec 6, 2021 |
| Book Page | 5174/492 |
| Instrument | 202161171 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 310 Months |
| Due | Oct 28, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1022 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1022 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000030351 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 5026/193 |
| Instrument | 202030351 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1022 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1022 GAMER AVE, SCHENECTADY, NY 12309 |
| Document Number | 0000066288 |
|---|---|
| Date | Dec 30, 2021 |
| Book Page | 5184/828 |
| Instrument | 202166288 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 30, 2017 |
| Property Address | 1022 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000049215 |
| Book / Page | 1974 / 285 |
| Instrument Date | Oct 26, 2017 |
| Instrument | 201749215 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $496.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1022 GARNER AVE, 1022, SCHENECTADY, NY 12309-5704 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 424 SAND CREEK RD, ALBANY, NY 12205-2736 |
| Document Number | 0000049217 |
|---|---|
| Date | Oct 30, 2017 |
| Instrument | 201749217 |
| Name | SARATOGA NATIONAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
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 | $5,998.00 (+2.04%) | ||
| 2025 | $5,878.00 (+4.26%) | $120,300 (-) Land $18,000 Building $102,300 | $199,205 (+30.82%) Land $29,806 Building $169,399 |
| 2023 | $120,300 (-) Land $18,000 Building $102,300 | $152,278 (+3.8%) Land $22,785 Building $129,493 | |
| 2022 | $120,300 Land $18,000 Building $102,300 | $146,707 Land $21,951 Building $124,756 | |
| 2021 | $5,638.00 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 545 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 |
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