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1052 Garner Ave, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 1052 Garner Ave, Schenectady, NY 12309

Property Summary

Property TypeDuplex
Details4 bd · 2 ba · 1,988 sqft · built 1910
Lot Size0.073 acres (3,220 sqft)
Owner2 Individual Names on Record
Last Sale$178,000 (Mar 2023)
Tax Bill$7,578 (2026)
Deeds & MortgagesMay 2024 Mortgage
Sep 2023 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN421500 50.22-2-52

Property Details

APN / Parcel Number

Primary APN421500 50.22-2-52
Alternative APN
  • 150005002200020520000000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms10 Rooms
Stories2 Stories
Building Area1,988 sqft Total Area
1st Floor Area994 sqft
2nd Floor Area994 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area3,220 sqft (0.073 acres)
Lot Dimensions92 ft deep x 35 ft wide
Garage TypeDetached
Garage Area252 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area350 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1052 GARNER AVE
CitySCHENECTADY
StateNY
Zip12309-5704
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning Code02 - SINGL
Legal Description2 WOOD AND GARAGE 0004860522 55,000
Legal Block2
Legal Lot Number52.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group2
Census Block2004
Census Tract20500

Owner

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 Record2 Individual Names on Record
Mailing Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 6, 2024Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Sep 25, 2023Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Jan 11, 2024Intrafamily Transfer, Transfer
ALR ABSTRACT SERVICES LLC, VLR ABSTRACT SERVICES LLC
Feb 21, 2024Correction Deed
ALR ABSTRACT SERVICES LLC, VLR ABSTRACT SERVICES LLC
Mar 13, 2023Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Dec 18, 2017Deed, Transfer · Conventional Mortgage
HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 13, 2023 · Amount on Record
Deed SaleMar 13, 2023 · Amount on Record
Prior SaleDec 18, 2017 · Amount on Record
Deed Document Number202314249
Deed Book / Page2104 / 224
Last Transfer DateSep 1, 2023
Transfer Doc0000002845
Record UpdatedOct 29, 2026

May 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704
Transaction TypeMortgage
Record UpdatedMay 21, 2024
Title CompanyCOVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704

Mortgage

Document Number0000027171
DateMay 6, 2024
Book Page5371/361
Instrument202427171
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressMADISON HEIGHTS, MI 48071
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term12 Months
DueMay 6, 2025

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704
Transaction TypeMortgage
Record UpdatedOct 6, 2023
Title CompanyCOVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704

Mortgage

Document Number0000053988
DateSep 25, 2023
Book Page5332/47
Instrument202353988
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressMADISON HEIGHTS, MI 48071
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term354 Months
DueMar 1, 2053

January 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSCHENECTADY NY
Recording DateJan 11, 2024
Property Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704
Document Number0000002845
Book / Page2123 / 404
Instrument DateSep 1, 2023
Instrument202402845
Transaction TypeTransfer
Record UpdatedJan 26, 2024
Title CompanyALR ABSTRACT SERVICES LLC, VLR ABSTRACT SERVICES LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704

Transferred To (Grantee/Buyer)

NameVerified Name
Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704

February 2024: Correction Deed

Document TypeCorrection Deed
JurisdictionSCHENECTADY NY
Recording DateFeb 21, 2024
Property Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704
Document Number0000010643
Book / Page2125 / 559
Instrument DateSep 1, 2023
Instrument202410643
Record UpdatedMar 6, 2024
Title CompanyALR ABSTRACT SERVICES LLC, VLR ABSTRACT SERVICES LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704

Transferred To (Grantee/Buyer)

NameVerified Name
Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateMar 13, 2023
Property Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704
Document Number0000014249
Book / Page2104 / 224
Instrument DateFeb 13, 2023
Instrument202314249
Transaction TypeTransfer
Record UpdatedFeb 20, 2024
Title CompanyTWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$712.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address110 BROOKLINE RD # RDN2, RDN2, BALLSTON SPA, NY 12020-3527

Transferred To (Grantee/Buyer)

NameVerified Name
Address1740 ALBANY ST, SCHENECTADY, NY 12304-2920

Mortgage

Document Number0000014250
DateMar 13, 2023
Book Page5293/744
Instrument202314250
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2053

December 2017: Deed, Transfer

Document TypeDeed
JurisdictionSCHENECTADY NY
Recording DateDec 18, 2017
Property Address1052 GARNER AVE, SCHENECTADY, NY 12309-5704
Document Number0000056746
Book / Page1977 / 675
Instrument DateDec 14, 2017
Instrument201756746
Transaction TypeTransfer
Record UpdatedMay 10, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$454.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1006 N COUNTRY CLUB DR, 1006, NISKAYUNA, NY 12309-5405

Transferred To (Grantee/Buyer)

NameVerified Name
Address821 LONDONDERRY RD, SCHENECTADY, NY 12309-6419

Mortgage

Document Number0000056750
DateDec 18, 2017
Instrument201756750
Lender
NameHOMESTEAD FUNDING CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2048

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$7,578.00 (+6.67%)
2025$7,104.00 (+6.97%)$129,200 (-) Land $19,400 Building $109,800$213,943 (+30.82%) Land $32,125 Building $181,818
2023$129,200 (-) Land $19,400 Building $109,800$163,544 (+3.8%) Land $24,557 Building $138,987
2022$129,200 Land $19,400 Building $109,800$157,561 Land $23,659 Building $133,902
2021$6,641.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 823 locations within half a mile, as of December 31, 2025

ProviderMax 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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