Schenectady County and Schenectady City property record for 1044 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,674 sqft · built 1926 |
| Lot Size | 0.11 acres (4,830 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (Mar 2020) |
| Tax Bill | $6,905 (2026) |
| Deeds & Mortgages | Mar 2020 Sale & Mortgage Nov 2017 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.30-1-17 |
| Primary APN | 421500 50.30-1-17 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,674 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| 2nd Floor Area | 594 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Colonial |
| Exterior Material | Composition/Composite |
| Lot Area | 4,830 sqft (0.11 acres) |
| Lot Dimensions | 138 ft deep x 35 ft wide |
| Garage Type | Detached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 312 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1044 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 AND GARAGE |
| Legal Subdivision | THOMAS D PASHLEY |
| Legal Block | 1 |
| Legal Lot Number | 17.000 |
| 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 | 27 BELLAIRE DR, SCHENECTADY, NY 12302-9738 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2020 | Deed, Transfer · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Nov 1, 2017 | Grant Deed, Transfer |
| May 17, 2017 | Trustee's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 13, 2020 · Amount on Record |
| Deed Sale | Mar 13, 2020 · Amount on Record |
| Prior Sale | Nov 1, 2018 · Amount on Record |
| Deed Document Number | 202010295 |
| Deed Book / Page | 2032 / 531 |
| Prior Transfer Date | Apr 3, 2017 |
| Prior Transfer Doc | 0000021897 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 13, 2020 |
| Property Address | 1044 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000010295 |
| Book / Page | 2032 / 531 |
| Instrument Date | Mar 12, 2020 |
| Instrument | 202010295 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1044 GARNER AVE, 1044, SCHENECTADY, NY 12309-5704 |
| Name | Verified Name |
|---|---|
| Address | 480 GUYANA ST, PUNTA GORDA, FL 33983-5760 |
| Document Number | 0000010296 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 202010296 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 4.75% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.87% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 1, 2017 |
| Property Address | 1044 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000049730 |
| Book / Page | 001974 / 000462 |
| Instrument Date | Oct 20, 2017 |
| Instrument | 49730 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $156.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1726 BROADWAY SCHENECTADY NY 123064929, SCHENECTADY, NY 12306-4929 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 17, 2017 |
| Property Address | 1044 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000021897 |
| Book / Page | 001962 / 000650 |
| Instrument Date | Apr 3, 2017 |
| Instrument | 21897 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 6, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $540.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4801 FREDERICA ST OWENSBORO KY 423017441, OWENSBORO, KY 42301-7441 |
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 | $6,905.00 (+1.86%) | ||
| 2025 | $6,779.00 (+4.05%) | $140,000 (-) Land $21,000 Building $119,000 | $231,826 (+30.82%) Land $34,774 Building $197,052 |
| 2023 | $140,000 (-) Land $21,000 Building $119,000 | $177,215 (+3.8%) Land $26,582 Building $150,633 | |
| 2022 | $140,000 Land $21,000 Building $119,000 | $170,732 Land $25,610 Building $145,122 | |
| 2021 | $6,515.00 |
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 823 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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