Schenectady County and Schenectady City property record for 1095 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,783 sqft · built 1940 |
| Lot Size | 0.142 acres (6,200 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $55,000 (Aug 1999) |
| Tax Bill | $6,633 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.22-2-34 |
| Primary APN | 421500 50.22-2-34 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,783 sqft Living Area |
| 1st Floor Area | 1,265 sqft |
| Upper Floors Area | 518 sqft |
| Basement Area | 160 sqft |
| Finished Basement | 160 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Lot Area | 6,200 sqft (0.142 acres) |
| Lot Dimensions | 155 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
| Pool Area | 218 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1095 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 BRK AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 34.000 |
| 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 Company Names on Record |
|---|---|
| Mailing Address | 1095 GARNER AVE, SCHENECTADY, NY 12309-5703 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 1999 · Amount on Record |
| Deed Sale | Aug 27, 1999 · Amount on Record |
| Prior Sale | Apr 5, 1999 · Amount on Record |
| Deed Book / Page | 1562 / 410 |
| Last Transfer Date | Sep 4, 2008 |
| Transfer Doc | 1790000100 |
| Record Updated | Oct 29, 2026 |
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 | $6,633.00 (+20.97%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $5,483.00 (+69.28%) | $160,800 (-) Land $24,100 Building $136,700 | $266,269 (+30.82%) Land $39,907 Building $226,362 |
| 2023 | $160,800 (-) Land $24,100 Building $136,700 | $203,544 (+3.8%) Land $30,506 Building $173,038 | |
| 2022 | $160,800 Land $24,100 Building $136,700 | $196,098 Land $29,390 Building $166,708 | |
| 2021 | $3,239.00 |
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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