Schenectady County and Schenectady City property record for 1058 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,440 sqft · built 1918 |
| Lot Size | 0.157 acres (6,860 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $139,000 (Sep 2006) |
| Tax Bill | $6,207 (2026) |
| Deeds & Mortgages | May 2022 Line of Credit May 2022 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.22-2-51 |
| Primary APN | 421500 50.22-2-51 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 720 sqft |
| 2nd Floor Area | 720 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,860 sqft (0.157 acres) |
| Lot Dimensions | 98 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 472 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1058 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 | 36 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 51.000 |
| 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 | 1058 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 23, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU |
| May 23, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage STATE EMPLOYEES FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2006 · Amount on Record |
| Deed Sale | Sep 27, 2006 · Amount on Record |
| Prior Sale | Nov 19, 1993 · Amount on Record |
| Deed Book / Page | 1744 / 454 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1058 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1058 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000027186 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 5228/713 |
| Instrument | 202227186 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 22, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1058 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1058 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000027182 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 5228/695 |
| Instrument | 202227182 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2037 |
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 | $6,207.00 (+3.78%) Homeowner's exemption | ||
| 2025 | $5,981.00 (+7.01%) | $133,200 (-) Land $20,000 Building $113,200 | $220,566 (+30.82%) Land $33,118 Building $187,448 |
| 2023 | $133,200 (-) Land $20,000 Building $113,200 | $168,608 (+3.8%) Land $25,317 Building $143,291 | |
| 2022 | $133,200 Land $20,000 Building $113,200 | $162,439 Land $24,390 Building $138,049 | |
| 2021 | $5,589.00 |
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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