Schenectady County and Schenectady City property record for 1124 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,280 sqft · built 1920 |
| Lot Size | 0.128 acres (5,600 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,270 (2026) |
| Deeds & Mortgages | Dec 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.22-2-44 |
| Primary APN | 421500 50.22-2-44 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,280 sqft Living Area |
| 1st Floor Area | 656 sqft |
| 2nd Floor Area | 624 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,600 sqft (0.128 acres) |
| Lot Dimensions | 140 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 264 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1124 GARNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 44.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2003 |
| 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 | 1124 GARNER AVE, SCHENECTADY, NY 12309-5706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1124 GARNER AVE, SCHENECTADY, NY 12309-5706 |
| Document Number | 0000001212 |
| Instrument Date | Dec 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1540 ALTAMONT AVE SCHENECTADY NY 123032102, SCHENECTADY, NY 12303-2102 |
| Document Number | 0000001212 |
|---|---|
| Date | Jan 10, 2020 |
| Book Page | 004965/000894 |
| Instrument | 1212 |
| Name | NEW YORK BUSN DEV |
|---|---|
| Type | Construction/Development Company |
| Address | ALBANY, NY 12207 |
| Amount | Amount Recorded |
|---|
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 | $5,270.00 (+3.31%) Homeowner's exemption | ||
| 2025 | $5,101.00 (+8.46%) | $109,400 (-) Land $16,400 Building $93,000 | $181,156 (+30.82%) Land $27,157 Building $153,999 |
| 2023 | $109,400 (-) Land $16,400 Building $93,000 | $138,481 (+3.8%) Land $20,759 Building $117,722 | |
| 2022 | $109,400 Land $16,400 Building $93,000 | $133,415 Land $20,000 Building $113,415 | |
| 2021 | $4,703.00 |
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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