Schenectady County and Schenectady City property record for 1278 Garner Ave, Schenectady, NY 12309 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,656 sqft Living Area |
| Lot Size | 5,175 sqft (0.118 acres) |
| Garage | Detached, 360 sqft |
| Last Sale | $310,000 (2025) |
| Tax Bill | $7,334.00 (2025) |
| Primary APN | 421500 40.79-1-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,656 sqft Living Area |
| 1st Floor | 1,152 sqft 1st Floor |
| Upper Floors | 504 sqft Upper Floors |
| Attic Area | 504 sqft Attic |
| Attic | 1 Attic |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Bungalow Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 5,175 sqft (0.118 acres) |
| Depth X Width | 115 ft x 45 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 360 sqft Garage |
| Porch Area | 155 sqft Porch |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 1278 GARNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5746 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 1.000 |
| 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 40.79-1-1
Assessment roll updated April 14, 2026 · Last verified June 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 | 10 VERMONT ST, 2, SARATOGA SPRINGS, NY 12866-1517 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 09, 2021 | Warranty Deed, Transfer · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Mar 03, 2021 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 13, 2025 · Amount on Record |
| Deed Sale | May 13, 2025 · Amount on Record |
| Prior Sale | Dec 09, 2021 · Amount on Record |
| Deed Doc Number | 202511617 |
| Deed Book / Page | 2149 / 619 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 09, 2021 |
| Property Address | 1278 GARNER AVE, SCHENECTADY, NY 12309-5746 |
| Document Number | 0000062106 |
| Book / Page | 2073 / 371 |
| Instrument Date | Oct 04, 2021 |
| Instrument | 202162106 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $922.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1278 GARNER AVE, 1278, SCHENECTADY, NY 12309-5746 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1245 CULLEN AVE, SCHENECTADY, NY 12309-3605 |
| Document Number | 0000062107 |
|---|---|
| Date | Dec 09, 2021 |
| Instrument | 202162107 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Dec 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.62% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 03, 2021 |
| Property Address | 1278 GARNER AVE, SCHENECTADY, NY 12309-5746 |
| Document Number | 0000008429 |
| Book / Page | 2053 / 424 |
| Instrument Date | Feb 08, 2021 |
| Instrument | 202108429 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | NOT AVAILABLE, SELECT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $750.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1278 GARNER AVE, 1278, SCHENECTADY, NY 12309-5746 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1278 GARNER AVE, SCHENECTADY, NY 12309-5746 |
| Document Number | 0000008430 |
|---|---|
| Date | Mar 03, 2021 |
| Instrument | 202108430 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 01, 2036 |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified June 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,334.00 (+32.14%) | $152,400 (-) Land $19,700 Building $132,700 | $252,360 (+30.82%) Land $32,621 Building $219,739 |
| 2023 | $152,400 (+15.81%) Land $19,700 Building $132,700 | $192,911 (+20.2%) Land $24,937 Building $167,974 | |
| 2022 | $131,600 Land $19,700 Building $111,900 | $160,488 Land $24,024 Building $136,464 | |
| 2021 | $5,550.00 |
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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