Schenectady County and Schenectady City property record for 1045 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 715 sqft · built 1940 |
| Lot Size | 0.08 acres (3,520 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $70,000 (Jan 2020) |
| Tax Bill | $2,819 (2026) |
| Deeds & Mortgages | Jan 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.22-2-21 |
| Primary APN | 421500 50.22-2-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 715 sqft Living Area |
| 1st Floor Area | 517 sqft |
| Upper Floors Area | 198 sqft |
| Attic | Attic |
| Attic Area | 198 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,520 sqft (0.08 acres) |
| Lot Dimensions | 88 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 70 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1045 GARNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | GORE LOT 2 WOOD |
| Legal Block | 2 |
| Legal Lot Number | 21.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3005 |
| 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 | 1045 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 21, 2020 · Amount on Record |
| Deed Sale | Jan 21, 2020 · Amount on Record |
| Deed Document Number | 20202426 |
| Deed Book / Page | 2028 / 844 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 21, 2020 |
| Property Address | 1045 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Document Number | 0000002426 |
| Book / Page | 002028 / 000844 |
| Instrument Date | Jan 3, 2020 |
| Instrument | 2426 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2020 |
| Title Company | NEW WORLD ABSTRACT COMPANY, NEW YORK ABS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $280.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 NICHOLAS ST JOHNSTOWN NY 120951223, JOHNSTOWN, NY 12095-1223 |
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 | $2,819.00 (+2.36%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $2,754.00 (-23.54%) | $70,100 (-) Land $10,500 Building $59,600 | $116,079 (+30.82%) Land $17,387 Building $98,692 |
| 2023 | $70,100 (-) Land $10,500 Building $59,600 | $88,734 (+3.8%) Land $13,291 Building $75,443 | |
| 2022 | $70,100 Land $10,500 Building $59,600 | $85,488 Land $12,805 Building $72,683 | |
| 2021 | $3,602.00 |
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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