Schenectady County and Schenectady City property record for 1071 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,406 sqft · built 1905 |
| Lot Size | 0.099 acres (4,320 sqft) |
| Owner | Individual Name on File |
| Last Sale | $129,000 (Nov 2014) |
| Tax Bill | $5,457 (2026) |
| Deeds & Mortgages | Nov 2023 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.22-2-28 |
| Primary APN | 421500 50.22-2-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,406 sqft Living Area |
| 1st Floor Area | 1,022 sqft |
| Upper Floors Area | 384 sqft |
| Attic | Attic |
| Attic Area | 384 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,320 sqft (0.099 acres) |
| Lot Dimensions | 120 ft deep x 36 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 332 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1071 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 | 1X WOOD AND GARAGE |
| Legal Subdivision | BOULEVARD HOME SITE COMPANY |
| Legal Block | 2 |
| Legal Lot Number | 28.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 20500 |
1071 Garner Ave is owned and occupied by an individual who bought it in November 2014.
Source: Schenectady County and Schenectady City records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1071 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 16, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 5, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Oct 5, 2019 | Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 17, 2014 · Amount on File |
| Deed Sale | Nov 17, 2014 · Amount on File |
| Prior Sale | Jan 22, 2002 · Amount on File |
| Deed Document Number | 201453611 |
| Deed Book / Page | 1904 / 782 |
| Prior Transfer Date | Oct 8, 2010 |
| Prior Transfer Doc | 1828000402 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1071 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 1071 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Document Number | 0000064900 |
|---|---|
| Date | Nov 16, 2023 |
| Book Page | 5343/122 |
| Instrument | 202364900 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Nov 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1071 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Document Number | 0000051699 |
| Instrument Date | Oct 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2019 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1071 GARNER AVE SCHENECTADY NY 123095703, SCHENECTADY, NY 12309-5703 |
| Document Number | 0000051699 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | 004953/000800 |
| Instrument | 51699 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 14, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1071 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Document Number | 0000051698 |
| Instrument Date | Oct 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2019 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1071 GARNER AVE SCHENECTADY NY 123095703, SCHENECTADY, NY 12309-5703 |
| Document Number | 0000051698 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | 004953/000793 |
| Instrument | 51698 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 14, 2049 |
| Rate | 3.75% |
|---|
The 2026 property tax bill for 1071 Garner Ave was $5,457 with a homeowner's exemption, up 3.2% from the year before.
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 | $5,457.00 (+3.22%) Homeowner's exemption | ||
| 2025 | $5,287.00 | $112,800 Land $16,900 Building $95,900 | $186,786 Land $27,985 Building $158,801 |
| 2023 | $112,800 (-) Land $16,900 Building $95,900 | $142,785 (+3.8%) Land $21,392 Building $121,393 | |
| 2022 | $112,800 Land $16,900 Building $95,900 | $137,561 Land $20,610 Building $116,951 | |
| 2021 | $4,880.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1071 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.
The area around 1071 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.
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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