Schenectady County and Schenectady City property record for 1259 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,514 sqft · built 1920 |
| Lot Size | 0.161 acres (7,050 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $173,500 (Nov 2020) |
| Tax Bill | $8,004 (2026) |
| Deeds & Mortgages | Jun 2017 Mortgage Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.70-2-21 |
| Primary APN | 421500 40.70-2-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,514 sqft Living Area |
| 1st Floor Area | 889 sqft |
| 2nd Floor Area | 625 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 7,050 sqft (0.161 acres) |
| Lot Dimensions | 141 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 158 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1259 GARNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Subdivision | MAP NO 2 OF PROPERTY OWNED BY VAN VOAST |
| Legal Block | 2 |
| Legal Lot Number | 21.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1014 |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 1259 GARNER AVE, SCHENECTADY, NY 12309-5715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2017 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Nov 19, 2020 | Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Jun 29, 2017 | Loan Modification, Consolidation and Extension, Mortgage · FHA Mortgage M&T BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2020 · Amount on Record |
| Deed Sale | Nov 19, 2020 · Amount on Record |
| Prior Sale | Aug 13, 2010 · Amount on Record |
| Deed Document Number | 202036444 |
| Deed Book / Page | 2046 / 222 |
| Prior Transfer Date | Aug 8, 2010 |
| Prior Transfer Doc | 0000035212 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1259 GARNER AVE, SCHENECTADY, NY 12309-5715 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000029204 |
|---|---|
| Date | Jun 29, 2017 |
| Book Page | 4770/077 |
| Instrument | 201729204 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Mar 1, 2045 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 19, 2020 |
| Property Address | 1259 GARNER AVE, SCHENECTADY, NY 12309-5715 |
| Document Number | 0000036444 |
| Book / Page | 2046 / 222 |
| Instrument Date | Nov 12, 2020 |
| Instrument | 202036444 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $694.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1259 GARNER AVE, 1259, SCHENECTADY, NY 12309-5715 |
| Name | Verified Name |
|---|---|
| Address | 926 VERMONT AVE, SCHENECTADY, NY 12303-1426 |
| Document Number | 0000036448 |
|---|---|
| Date | Nov 19, 2020 |
| Instrument | 202036448 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 29, 2017 |
| Property Address | 1259 GARNER AVE, SCHENECTADY, NY 12309-5715 |
| Book / Page | 004770 / 000088 |
| Instrument Date | Feb 19, 2015 |
| Instrument | 29205 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NINE NORTH TITLE AND CLOSING SERVICES, NINE NORTH TITLE & CLOSING SVC |
| Name | Verified Name |
|---|---|
| Address | 1259 GARNER AVE SCHENECTADY NY 123095715, SCHENECTADY, NY 12309-5715 |
| Document Number | 0000029205 |
|---|---|
| Date | Jun 29, 2017 |
| Book Page | 004770/000088 |
| Instrument | 29205 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jun 28, 2045 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
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 | $8,004.00 (+1.7%) | ||
| 2025 | $7,870.00 (+16.54%) | $165,500 (-) Land $24,800 Building $140,700 | $274,052 (+30.82%) Land $41,066 Building $232,986 |
| 2023 | $165,500 (-) Land $24,800 Building $140,700 | $209,494 (+3.8%) Land $31,392 Building $178,102 | |
| 2022 | $165,500 Land $24,800 Building $140,700 | $201,829 Land $30,244 Building $171,585 | |
| 2021 | $6,753.00 |
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 | Low lower than 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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