Schenectady County and Schenectady City property record for 1068 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,332 sqft · built 1900 |
| Lot Size | 0.086 acres (3,745 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $254,900 (Sep 2025) |
| Tax Bill | $5,618 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.22-2-49 |
| Primary APN | 421500 50.22-2-49 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,332 sqft Living Area |
| 1st Floor Area | 612 sqft |
| 2nd Floor Area | 720 sqft |
| Basement Area | 360 sqft |
| Finished Basement | 360 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,745 sqft (0.086 acres) |
| Lot Dimensions | 107 ft deep x 35 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 252 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1068 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 | AGED AFFADAVIT REQUIRED 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 49.000 |
| 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 | 66 GARFIELD AVE, SCHENECTADY, NY 12304-1824 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2025 | Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CORP |
| Oct 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage INGERSOLL RAND FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2025 · Amount on Record |
| Deed Sale | Sep 8, 2025 · Amount on Record |
| Prior Sale | Oct 18, 2022 · Amount on Record |
| Deed Document Number | 202521235 |
| Deed Book / Page | 2156 / 334 |
| Prior Transfer Date | Jun 30, 2005 |
| Prior Transfer Doc | 0017090672 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 8, 2025 |
| Property Address | 1068 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000021235 |
| Instrument Date | Aug 14, 2025 |
| Instrument | 202521235 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | 3G TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,020.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1068 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Name | Verified Name |
|---|---|
| Address | 66 GARFIELD AVE, SCHENECTADY, NY 12304-1824 |
| Document Number | 0000021236 |
|---|---|
| Date | Sep 8, 2025 |
| Instrument | 202521236 |
| Name | PREMIUM MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 18, 2022 |
| Property Address | 1068 GARNER AVE, SCHENECTADY, NY 12309-5704 |
| Document Number | 0000055208 |
| Book / Page | 2094 / 998 |
| Instrument Date | Oct 6, 2022 |
| Instrument | 202255208 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2022 |
| Title Company | 3G TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $780.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1068 GARNER AVE, 1068, SCHENECTADY, NY 12309-5704 |
| Name | Verified Name |
|---|---|
| Address | 441 FULTON ST, WAVERLY, NY 14892-1312 |
| Document Number | 0000055209 |
|---|---|
| Date | Oct 18, 2022 |
| Book Page | 5264/660 |
| Instrument | 202255209 |
| Name | INGERSOLL RAND FCU |
|---|---|
| Type | Credit Union |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
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 | $5,618.00 (+2.11%) | ||
| 2025 | $5,502.00 (+21.7%) | $108,800 (-) Land $16,300 Building $92,500 | $180,162 (+13.35%) Land $26,991 Building $153,171 |
| 2024 | $108,800 (-) Land $16,300 Building $92,500 | $158,948 (+15.41%) Land $23,813 Building $135,135 | |
| 2023 | $108,800 (-) Land $16,300 Building $92,500 | $137,722 (+3.8%) Land $20,633 Building $117,089 | |
| 2022 | $108,800 Land $16,300 Building $92,500 | $132,683 Land $19,878 Building $112,805 | |
| 2021 | $4,521.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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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