Schenectady County and Schenectady City property record for 1291 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,344 sqft · built 1937 |
| Lot Size | 0.174 acres (7,605 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $286,000 (Apr 2025) |
| Tax Bill | $6,358 (2026) |
| Deeds & Mortgages | Dec 2023 Line of Credit Mar 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.70-2-13 |
| Primary APN | 421500 40.70-2-13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Upper Floors Area | 312 sqft |
| Attic | Attic |
| Attic Area | 312 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Lot Area | 7,605 sqft (0.174 acres) |
| Lot Dimensions | 152 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 71 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1291 GARNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1X WOOD |
| Legal Block | 2 |
| Legal Lot Number | 13.000 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 102 HOMESTEAD AVE, ALBANY, NY 12203-1959 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 22, 2023 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Mar 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| Sep 28, 2018 | Grant Deed, Transfer OTHER |
| Sep 24, 2018 | Deed of Trust, Mortgage · Conventional with PMI HOMESTEAD FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 9, 2025 · Amount on Record |
| Deed Sale | Apr 9, 2025 · Amount on Record |
| Prior Sale | Sep 28, 2018 · Amount on Record |
| Deed Document Number | 20258522 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1291 GARNER AVE, SCHENECTADY, NY 12309-5700 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1291 GARNER AVE, SCHENECTADY, NY 12309-5700 |
| Document Number | 0000072206 |
|---|---|
| Date | Dec 22, 2023 |
| Book Page | 5348/946 |
| Instrument | 202372206 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 25, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1291 GARNER AVE, SCHENECTADY, NY 12309-5700 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009980 |
|---|---|
| Date | Mar 11, 2020 |
| Book Page | 4978/151 |
| Instrument | 202009980 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | SCHENECTADY, NY 12309 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2035 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 28, 2018 |
| Property Address | 1291 GARNER AVE, SCHENECTADY, NY 12309-5700 |
| Document Number | 0000043185 |
| Book / Page | 001996 / 000797 |
| Instrument Date | Sep 24, 2018 |
| Instrument | 43185 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $508.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2312 SHERIDAN AVE NISKAYUNA NY 123093935, NISKAYUNA, NY 12309-3935 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1291 GARNER AVE, SCHENECTADY, NY 12309-5700 |
| Document Number | 0000043188 |
| Instrument Date | Sep 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 2312 SHERIDAN AVE NISKAYUNA NY 123093935, NISKAYUNA, NY 12309-3935 |
| Document Number | 0000043188 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 004868/000077 |
| Instrument | 43188 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 27, 2033 |
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 | $6,358.00 (+1.94%) | ||
| 2025 | $6,237.00 (+4.45%) | $125,600 (-) Land $18,800 Building $106,800 | $207,981 (+30.82%) Land $31,131 Building $176,850 |
| 2023 | $125,600 (-) Land $18,800 Building $106,800 | $158,987 (+3.8%) Land $23,797 Building $135,190 | |
| 2022 | $125,600 Land $18,800 Building $106,800 | $153,171 Land $22,927 Building $130,244 | |
| 2021 | $5,971.00 |
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.
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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