Schenectady County and Schenectady City property record for 1032 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,280 sqft · built 1930 |
| Lot Size | 0.143 acres (6,270 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $90,612 (May 2023) |
| Tax Bill | $6,871 (2026) |
| Deeds & Mortgages | Jan 2024 Line of Credit May 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.30-1-21 |
| Primary APN | 421500 50.30-1-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,280 sqft Living Area |
| 1st Floor Area | 686 sqft |
| 2nd Floor Area | 594 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 6,270 sqft (0.143 acres) |
| Lot Dimensions | 165 ft deep x 38 ft wide |
| Garage Type | Detached |
| Garage Area | 375 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 178 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1032 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 | AND PART OF 3O 2 WOOD & GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 21.000 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1032 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| May 10, 2023 | Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2023 · Amount on Record |
| Deed Sale | May 10, 2023 · Amount on Record |
| Prior Sale | Jun 22, 2007 · Amount on Record |
| Deed Document Number | 202326868 |
| Deed Book / Page | 2107 / 567 |
| Prior Transfer Date | Nov 29, 2007 |
| Prior Transfer Doc | 1772000758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1032 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1032 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000002768 |
|---|---|
| Date | Jan 11, 2024 |
| Book Page | 5352/871 |
| Instrument | 202402768 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Dec 19, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 10, 2023 |
| Property Address | 1032 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000026868 |
| Book / Page | 2107 / 567 |
| Instrument Date | Apr 20, 2023 |
| Instrument | 202326868 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $364.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 63135 PIKES CT, BEND, OR 97701-7170 |
| Name | Verified Name |
|---|---|
| Address | 1032 GARNER AVE, SCHENECTADY, NY 12309-5704 |
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 | $6,871.00 (+1.88%) | ||
| 2025 | $6,744.00 (+3.72%) | $142,600 (-) Land $21,400 Building $121,200 | $236,132 (+30.82%) Land $35,436 Building $200,696 |
| 2023 | $142,600 (-) Land $21,400 Building $121,200 | $180,506 (+3.8%) Land $27,089 Building $153,417 | |
| 2022 | $142,600 Land $21,400 Building $121,200 | $173,902 Land $26,097 Building $147,805 | |
| 2021 | $6,502.00 |
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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