Schenectady County and Schenectady City property record for 1063 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,209 sqft · built 1925 |
| Lot Size | 0.096 acres (4,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $272,000 (Jul 2024) |
| Tax Bill | $5,930 (2026) |
| Deeds & Mortgages | Jul 2024 Sale & Mortgage Jul 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.22-2-26 |
| Primary APN | 421500 50.22-2-26 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,209 sqft Living Area |
| 1st Floor Area | 878 sqft |
| Upper Floors Area | 331 sqft |
| Attic | Attic |
| Attic Area | 331 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,200 sqft (0.096 acres) |
| Lot Dimensions | 120 ft deep x 35 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 190 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1063 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 | 1 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 26.000 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 30 LAKE AVE, 201, SARATOGA SPRINGS, NY 12866-2595 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 19, 2024 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Jul 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Sep 28, 2017 | Warranty Deed, Transfer · FHA Mortgage SEFCU MORTGAGE SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2024 · Amount on Record |
| Deed Sale | Jul 19, 2024 · Amount on Record |
| Prior Sale | Jul 13, 2022 · Amount on Record |
| Deed Document Number | 202442492 |
| Deed Book / Page | 2134 / 131 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 19, 2024 |
| Property Address | 1063 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Document Number | 0000042492 |
| Book / Page | 2134 / 131 |
| Map Reference | CAB B MAP 202 |
| Instrument Date | Jun 13, 2024 |
| Instrument | 202442492 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,088.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1063 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Name | Verified Name |
|---|---|
| Address | 30 LAKE AVE APT 201, 201, SARATOGA SPRINGS, NY 12866-2595 |
| Document Number | 0000042493 |
|---|---|
| Date | Jul 19, 2024 |
| Instrument | 202442493 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 13, 2022 |
| Property Address | 1063 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Document Number | 0000036318 |
| Book / Page | 2088 / 288 |
| Map Reference | CAB B MAP 202 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 202236318 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | SMPR TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1063 GARNER AVE, 1063, SCHENECTADY, NY 12309-5703 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 263 COLT HOLLOW ROAD, WEST FULTON, NY 12194-1720 |
| Document Number | 0000036323 |
|---|---|
| Date | Jul 13, 2022 |
| Instrument | 202236323 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 10% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 28, 2017 |
| Property Address | 1063 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Document Number | 0000044139 |
| Book / Page | 1972 / 256 |
| Instrument Date | Sep 13, 2017 |
| Instrument | 201744139 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $352.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1063 GARNER AVE, 1063, SCHENECTADY, NY 12309-5703 |
| Name | Verified Name |
|---|---|
| Address | 32 MEYER RD, HALFMOON, NY 12065-2403 |
| Document Number | 0000044143 |
|---|---|
| Date | Sep 28, 2017 |
| Book Page | 4790/658 |
| Instrument | 201744143 |
| Name | SEFCU MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12206 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
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 | $5,930.00 (+2.05%) | ||
| 2025 | $5,811.00 (+24.86%) | $119,800 (-) Land $14,600 Building $105,200 | $198,377 (+30.82%) Land $24,176 Building $174,201 |
| 2023 | $119,800 (+23.51%) Land $14,600 Building $105,200 | $151,646 (+28.2%) Land $18,481 Building $133,165 | |
| 2022 | $97,000 Land $14,600 Building $82,400 | $118,293 Land $17,805 Building $100,488 | |
| 2021 | $4,654.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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