1053 Garner Ave, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 1053 Garner Ave, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1935
Lot Size	0.122 acres (5,320 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Jun 2026)
Tax Bill	$4,142 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 50.22-2-23`

Property Details

APN / Parcel Number

Primary APN	`421500 50.22-2-23`
Alternative APN	`150005002200020230000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
1st Floor Area	624 sqft
2nd Floor Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Lot Area	5,320 sqft (0.122 acres)
Lot Dimensions	152 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1053 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	2 WOOD AND GARAGE
Legal Block	2
Legal Lot Number	23.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3005
Census Tract	20500

Owner

1053 Garner Ave is owned and occupied by an individual who bought it in June 2026.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1 BROADWAY, 332, MENANDS, NY 12204-3011
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on File
Deed Sale	Jun 11, 2026 · Amount on File
Deed Document Number	202613394
Deed Book / Page	2173 / 726
Prior Transfer Date	Dec 4, 2024
Prior Transfer Doc	0000000371
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 11, 2026
Property Address	1053 GARNER AVE, SCHENECTADY, NY 12309-5703
Document Number	0000013394
Book / Page	2173 / 726
Instrument Date	Jun 4, 2026
Instrument	202613394
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	SMPR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105,040.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013395,
Date	Jun 11, 2026
Instrument	202613395

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 1053 Garner Ave was $4,142 with exemptions applied, up 6.7% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,142.00 (+6.73%) Homeowner's exemption Senior Citizen's exemption
2025	$3,881.00	$105,000 Land $15,800 Building $89,200	$173,870 Land $26,163 Building $147,707
2023		$105,000 (-) Land $15,800 Building $89,200	$132,911 (+3.8%) Land $20,000 Building $112,911
2022		$105,000 Land $15,800 Building $89,200	$128,049 Land $19,268 Building $108,781
2021	$3,539.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1053 Garner Ave in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 1053 Garner Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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