Schenectady County and Schenectady City property record for 1318 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,630 sqft · built 1920 |
| Lot Size | 0.112 acres (4,880 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (Jan 2024) |
| Tax Bill | $7,359 (2026) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.71-2-35 |
| Primary APN | 421500 40.71-2-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,630 sqft Living Area |
| 1st Floor Area | 902 sqft |
| 2nd Floor Area | 728 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 4,880 sqft (0.112 acres) |
| Lot Dimensions | 122 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 254 sqft |
| Porch | Slab |
| Porch Area | 270 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1318 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 | 2 WOOD AND GARAGE |
| Legal Subdivision | MAP #3 OF LOTS BELONGING TO HOMESITE CO |
| Legal Block | 2 |
| Legal Lot Number | 35.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 20500 |
1318 Garner Ave is owned by two individuals who bought it in January 2024.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 34 BROWE CT, BURLINGTON, VT 05408-1302 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 12, 2024 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Feb 2, 2017 | Warranty Deed, Transfer TRUSTCO BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2024 · Amount on File |
| Deed Sale | Jan 12, 2024 · Amount on File |
| Prior Sale | Feb 2, 2017 · Amount on File |
| Deed Document Number | 20243045 |
| Deed Book / Page | 2123 / 534 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 12, 2024 |
| Property Address | 1318 GARNER AVE, SCHENECTADY, NY 12309-5718 |
| Document Number | 0000003045 |
| Book / Page | 2123 / 534 |
| Map Reference | CAB A-98 |
| Instrument Date | Dec 27, 2023 |
| Instrument | 202403045 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,040.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1318 GARNER AVE, SCHENECTADY, NY 12309-5718 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 34 BROWE CT, BURLINGTON, VT 05408-1302 |
| Document Number | 0000003046 |
|---|---|
| Date | Jan 12, 2024 |
| Instrument | 202403046 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 2, 2017 |
| Property Address | 1318 GARNER AVE, SCHENECTADY, NY 12309-5718 |
| Document Number | 0000005390 |
| Book / Page | 1955 / 917 |
| Instrument Date | Jan 20, 2017 |
| Instrument | 201705390 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $504.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1318 GARNER AVE, 1318, SCHENECTADY, NY 12309-5718 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 307 CLOSSON RD, SCOTIA, NY 12302-6747 |
| Document Number | 0000005393 |
|---|---|
| Date | Feb 2, 2017 |
| Instrument | 201705393 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 1318 Garner Ave was $7,359, up 1.8% from the year before.
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 | $7,359.00 (+1.78%) | ||
| 2025 | $7,230.00 | $149,860 Land $24,300 Building $125,560 | $248,154 Land $40,239 Building $207,915 |
| 2023 | $149,860 (-) Land $24,300 Building $125,560 | $189,696 (+3.8%) Land $30,759 Building $158,937 | |
| 2022 | $149,860 Land $24,300 Building $125,560 | $182,756 Land $29,634 Building $153,122 | |
| 2021 | $6,954.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1318 Garner Ave in Zone X, an area of minimal flood risk.
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 risk around 1318 Garner Ave is low, with less than a 0.01% annual chance of 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.
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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