1315 Garner Ave, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 1315 Garner Ave, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,874 sqft · built 1935
Lot Size	0.147 acres (6,405 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Dec 2021)
Tax Bill	$7,874 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 40.70-2-7`

Property Details

APN / Parcel Number

Primary APN	`421500 40.70-2-7`
Alternative APN	`150004007000020070000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,874 sqft Living Area
1st Floor Area	1,349 sqft
Upper Floors Area	525 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	6,405 sqft (0.147 acres)
Lot Dimensions	128 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	300 sqft
Patio Area	226 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1315 GARNER AVE
City	SCHENECTADY
State	NY
Zip	12309-5717
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	7.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1014
Census Tract	20500

Owner

Source: Schenectady County and Schenectady City records · APN 421500 40.70-2-7

Assessment roll updated April 14, 2026 · Last verified April 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	18 ANTHONY DR, SENECA FALLS, NY 13148-2219
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	Aug 21, 2007 · Amount on Record
Deed Document Number	202165745
Deed Book / Page	2074 / 706
Record Updated	Jun 08, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 28, 2021
Property Address	1315 GARNER AVE, SCHENECTADY, NY 12309-5717
Document Number	0000065745
Book / Page	2074 / 706
Map Reference	MAP 2
Instrument Date	Dec 06, 2021
Instrument	202165745
Transaction Type	Transfer
Record Updated	Jan 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1315 GARNER AVE, 1315, SCHENECTADY, NY 12309-5717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 ANTHONY DR, SENECA FALLS, NY 13148-2219

Mortgage

Document Number	0000065746
Date	Dec 28, 2021
Instrument	202165746

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,874.00 (+26.19%)	$165,600 (-) Land $22,100 Building $143,500	$274,218 (+30.82%) Land $36,596 Building $237,622
2023		$165,600 (-) Land $22,100 Building $143,500	$209,620 (+3.8%) Land $27,975 Building $181,645
2022		$165,600 Land $22,100 Building $143,500	$201,951 Land $26,951 Building $175,000
2021	$6,240.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), as of January 7, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360930205001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 823 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY4600070, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SCHENECTADY CITY WATER WORKS serves 62,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.