Schenectady County and Schenectady City property record for 1451 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,526 sqft · built 1910 |
| Lot Size | 0.133 acres (5,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Nov 2020) |
| Tax Bill | $6,493 (2026) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Dec 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.63-1-23 |
| Primary APN | 421500 40.63-1-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,526 sqft Living Area |
| 1st Floor Area | 1,090 sqft |
| Upper Floors Area | 436 sqft |
| Attic | Attic |
| Attic Area | 436 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,800 sqft (0.133 acres) |
| Lot Dimensions | 145 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 144 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1451 GARNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 WOOD AND GARAGE |
| Legal Subdivision | MAP #1 OF LOTS BELONGING TO W L PEARSON |
| Legal Block | 1 |
| Legal Lot Number | 23.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 20500 |
1451 Garner Ave is owned and occupied by an individual who bought it in November 2020.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1451 GARNER AVE, SCHENECTADY, NY 12309-5201 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Nov 16, 2020 | Warranty Deed, Transfer · Conventional with PMI SEFCU |
| Dec 11, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Dec 11, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 16, 2020 · Amount on File |
| Deed Sale | Nov 16, 2020 · Amount on File |
| Prior Sale | Dec 11, 2018 · Amount on File |
| Deed Document Number | 202035623 |
| Deed Book / Page | 2045 / 777 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 16, 2020 |
| Property Address | 1451 GARNER AVE, SCHENECTADY, NY 12309-5201 |
| Document Number | 0000035623 |
| Book / Page | 002045 / 000777 |
| Instrument Date | Oct 15, 2020 |
| Instrument | 35623 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $760.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 101 1ST ST WATERVLIET NY 121893959, WATERVLIET, NY 12189-3959 |
| Document Number | 35626 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 005040/000832 |
| Instrument | 35626 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 15, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 11, 2018 |
| Property Address | 1451 GARNER AVE, SCHENECTADY, NY 12309-5201 |
| Document Number | 0000054302 |
| Book / Page | 002001 / 000621 |
| Instrument Date | Oct 29, 2018 |
| Instrument | 54302 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $594.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 451 GARNER AVE SCHENECTADY NY 12309, SCHENECTADY, NY 12309 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 11, 2018 |
| Property Address | 1451 GARNER AVE, SCHENECTADY, NY 12309-5201 |
| Document Number | 0000054301 |
| Book / Page | 002001 / 000617 |
| Instrument Date | Oct 23, 2018 |
| Instrument | 54301 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $594.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1451 GARNER AVE SCHENECTADY NY 123095201, SCHENECTADY, NY 12309-5201 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 1451 Garner Ave was $6,493, up 1.9% 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 | $6,493.00 (+1.93%) | ||
| 2025 | $6,370.00 | $132,300 Land $19,800 Building $112,500 | $219,076 Land $32,787 Building $186,289 |
| 2023 | $132,300 (-) Land $19,800 Building $112,500 | $167,468 (+3.8%) Land $25,063 Building $142,405 | |
| 2022 | $132,300 Land $19,800 Building $112,500 | $161,341 Land $24,146 Building $137,195 | |
| 2021 | $6,124.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1451 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.
The area around 1451 Garner Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 524 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 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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