Schenectady County and Schenectady City property record for 1254 Garner Ave, Schenectady, NY 12309 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1920 |
| Square Footage | 1,639 sqft Living Area |
| Lot Size | 5,117 sqft (0.117 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $175,000 (2020) |
| Tax Bill | $5,653.00 (2025) |
| Primary APN | 421500 40.79-1-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,639 sqft Living Area |
| 1st Floor | 1,236 sqft 1st Floor |
| Upper Floors | 403 sqft Upper Floors |
| Attic Area | 403 sqft Attic |
| Attic | 1 Attic |
| Stories | 1 Stories |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 5,117 sqft (0.117 acres) |
| Depth X Width | 119 ft x 43 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 418 sqft Garage |
| Porch Area | 348 sqft Porch |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 1254 GARNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5716 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 1X WOOD AND GARAGE |
| Legal Subdivision | BOULEVARD HOME SITE COMPANY |
| Legal Block | 1 |
| Legal Lot Number | 7.000 |
| Jurisdiction | SCHENECTADY NY |
| Minor Civil Division | SCHENECTADY |
| Census Blockgroup | 1 |
| Census Block | 1015 |
| Census Tract | 20500 |
Source: Schenectady County and Schenectady City records · APN 421500 40.79-1-7
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 1254 GARNER AVE, SCHENECTADY, NY 12309-5716 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 30, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Nov 09, 2020 | Deed, Transfer · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jun 08, 2020 | Foreclosure · Building or Construction Mortgage MICHAEL & LUISA KISEL |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 09, 2020 · Amount on Record |
| Deed Sale | Nov 09, 2020 · Amount on Record |
| Prior Sale | Jun 08, 2020 · Amount on Record |
| Deed Doc Number | 202034690 |
| Deed Book / Page | 2045 / 183 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1254 GARNER AVE, SCHENECTADY, NY 12309-5716 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 1254 GARNER AVE, SCHENECTADY, NY 12309-5716 |
| Document Number | 0000002221 |
|---|---|
| Date | Jan 30, 2026 |
| Instrument | 202602221 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Apr 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.5% |
| Index | 52-Week T-Bill (1-Year) |
| Max Rate | 6.5% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 09, 2020 |
| Property Address | 1254 GARNER AVE, SCHENECTADY, NY 12309-5716 |
| Document Number | 0000034690 |
| Book / Page | 2045 / 183 |
| Instrument Date | Sep 02, 2020 |
| Instrument | 202034690 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | PAC ABSTRACT & TTL SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 MOYSTON ST, SCHENECTADY, NY 12307-1111 |
| Document Number | 0000034692 |
|---|---|
| Date | Nov 09, 2020 |
| Instrument | 202034692 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 01, 2050 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 08, 2020 |
| Property Address | 1254 GARNER AVE, SCHENECTADY, NY 12309-5716 |
| Document Number | 0000016267 |
| Book / Page | 002036 / 000027 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 16267 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 21, 2020 |
| Title Company | NEW YORK TITLE SERVICES INC, NEW WORLD TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $292.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 400 PINKSTER LN SLINGERLANDS NY 121599558, SLINGERLANDS, NY 12159-9558 |
| Document Number | 16268 |
|---|---|
| Date | Jun 08, 2020 |
| Book Page | 004994/000189 |
| Instrument | 16268 |
| Name | MICHAEL & LUISA KISEL |
|---|---|
| Address | PO BOX 53, BURNT HILLS, NY 12027-0053 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 07, 2021 |
| Rate | 10% |
|---|
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,653.00 (+4.4%) | $114,800 (-) Land $17,200 Building $97,600 | $190,098 (+30.82%) Land $28,482 Building $161,616 |
| 2023 | $114,800 (-) Land $17,200 Building $97,600 | $145,316 (+3.8%) Land $21,772 Building $123,544 | |
| 2022 | $114,800 Land $17,200 Building $97,600 | $140,000 Land $20,976 Building $119,024 | |
| 2021 | $5,415.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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