Schenectady County and Schenectady City property record for 1286 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,414 sqft · built 1920 |
| Lot Size | 0.117 acres (5,130 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Jan 2021) |
| Tax Bill | $7,145 (2026) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.71-2-27 |
| Primary APN | 421500 40.71-2-27 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,414 sqft Living Area |
| 1st Floor Area | 868 sqft |
| Upper Floors Area | 546 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,130 sqft (0.117 acres) |
| Lot Dimensions | 114 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 36 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1286 GARNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Subdivision | BOULEVARD HOME SITE COMPANY |
| Legal Block | 2 |
| Legal Lot Number | 27.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1015 |
| 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 | 1286 GARNER AVE, SCHENECTADY, NY 12309-5746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 28, 2021 | Warranty Deed, Transfer · Conventional with PMI SEFCU |
| Sep 4, 2018 | Executor's Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 28, 2021 · Amount on Record |
| Deed Sale | Jan 28, 2021 · Amount on Record |
| Prior Sale | Sep 4, 2018 · Amount on Record |
| Deed Document Number | 20213882 |
| Deed Book / Page | 2051 / 96 |
| Prior Transfer Date | Jul 30, 2003 |
| Prior Transfer Doc | 1657000235 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 28, 2021 |
| Property Address | 1286 GARNER AVE, SCHENECTADY, NY 12309-5746 |
| Document Number | 0000003882 |
| Book / Page | 002051 / 000096 |
| Instrument Date | Dec 9, 2020 |
| Instrument | 3882 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2021 |
| Title Company | SMPR TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 49 MYRTLE AVE ALBANY NY 122021712, ALBANY, NY 12202-1712 |
| Document Number | 3883 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 005064/000800 |
| Instrument | 3883 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2051 |
| Document Number | 3886, |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 005064/000816 |
| Instrument | 3886 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Amount | Amount Recorded |
|---|
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 4, 2018 |
| Property Address | 1286 GARNER AVE, SCHENECTADY, NY 12309-5746 |
| Document Number | 0000039425 |
| Book / Page | 1995 / 031 |
| Map Reference | CAB A PG 98&99 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 201839425 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 85 ROHILL RD, 85, HILLSBOROUGH, NJ 08844-1125 |
| Name | Verified Name |
|---|---|
| Address | 133 PARK PL, SCHENECTADY, NY 12305-1204 |
| Document Number | 0000039427 |
|---|---|
| Date | Sep 4, 2018 |
| Instrument | 201839427 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
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 | $7,145.00 (+1.8%) | ||
| 2025 | $7,019.00 (+4.29%) | $142,400 (-) Land $21,400 Building $121,000 | $235,801 (+30.82%) Land $35,436 Building $200,365 |
| 2023 | $142,400 (-) Land $21,400 Building $121,000 | $180,253 (+3.8%) Land $27,089 Building $153,164 | |
| 2022 | $142,400 Land $21,400 Building $121,000 | $173,659 Land $26,098 Building $147,561 | |
| 2021 | $6,730.00 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures