1306 Garner Ave, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 1306 Garner Ave, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,354 sqft · built 1936
Lot Size	0.114 acres (4,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Nov 2025)
Tax Bill	$6,054 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 40.71-2-32`

Property Details

APN / Parcel Number

Primary APN	`421500 40.71-2-32`
Alternative APN	`150004007100020320000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,354 sqft Living Area
1st Floor Area	1,172 sqft
Upper Floors Area	182 sqft
Attic	Attic
Attic Area	182 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Bungalow
Exterior Material	Wood
Lot Area	4,988 sqft (0.114 acres)
Lot Dimensions	116 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1306 GARNER AVE
City	SCHENECTADY
State	NY
Zip	12309-5718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	1X WOOD AND GARAGE
Legal Block	2
Legal Lot Number	32.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1015
Census Tract	20500

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 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	1627 CALVADOS DR, COCOA, FL 32926-5701
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2025 · Amount on Record
Deed Sale	Nov 10, 2025 · Amount on Record
Deed Document Number	202526417
Deed Book / Page	2160 / 480
Record Updated	Jun 8, 2026

November 2025: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 10, 2025
Property Address	1306 GARNER AVE, SCHENECTADY, NY 12309-5718
Document Number	0000026417
Instrument Date	Oct 14, 2025
Instrument	202526417
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 PARTRIDGE LN, WATERFORD, NY 12188-1091

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1627 CALVADOS DR, COCOA, FL 32926-5701

Mortgage

Document Number	0000026418
Date	Nov 10, 2025
Instrument	202526418

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,054.00 (+4.16%)	$124,600 (-) Land $18,700 Building $105,900	$206,326 (+13.35%) Land $30,965 Building $175,361
2024		$124,600 (-) Land $18,700 Building $105,900	$182,031 (+15.41%) Land $27,319 Building $154,712
2023		$124,600 (-) Land $18,700 Building $105,900	$157,722 (+3.8%) Land $23,671 Building $134,051
2022		$124,600 Land $18,700 Building $105,900	$151,951 Land $22,805 Building $129,146
2021	$5,812.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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