1079 Garner Ave, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 1079 Garner Ave, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,320 sqft · built 1930
Lot Size	0.106 acres (4,640 sqft)
Owner	Individual Name on File
Last Sale	$124,500 (Jan 2021)
Tax Bill	$4,946 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 50.22-2-30`

Property Details

APN / Parcel Number

Primary APN	`421500 50.22-2-30`
Alternative APN	`150005002200020300000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	994 sqft
Upper Floors Area	326 sqft
Attic	Attic
Attic Area	326 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	4,640 sqft (0.106 acres)
Lot Dimensions	116 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1079 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	GINIECKI MAP 1X WOOD AND GARAGE
Legal Block	2
Legal Lot Number	30.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3005
Census Tract	20500

Owner

1079 Garner Ave is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1079 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2021 · Amount on File
Deed Sale	Jan 12, 2021 · Amount on File
Prior Sale	Jun 17, 2010 · Amount on File
Deed Document Number	20211404
Deed Book / Page	2049 / 907
Prior Transfer Date	Jul 8, 2010
Prior Transfer Doc	1824000191
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 12, 2021
Property Address	1079 GARNER AVE, SCHENECTADY, NY 12309-5703
Document Number	0000001404
Book / Page	2049 / 907
Map Reference	MB 10 PG 261
Instrument Date	Jan 7, 2021
Instrument	202101404
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$498.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	526 SAINT ANDREWS DR, 526, SARASOTA, FL 34243-1628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1079 GAMER AVENUE, SCHENECTADY, NY 12309

Mortgage

Document Number	0000001410
Date	Jan 12, 2021
Instrument	202101410

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 1079 Garner Ave was $4,946, up 2.3% 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	$4,946.00 (+2.32%)
2025	$4,834.00	$94,800 Land $14,200 Building $80,600	$156,980 Land $23,514 Building $133,466
2023		$94,800 (-) Land $14,200 Building $80,600	$120,000 (+3.8%) Land $17,975 Building $102,025
2022		$94,800 Land $14,200 Building $80,600	$115,610 Land $17,317 Building $98,293
2021	$4,604.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1079 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 1079 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