Schenectady County and Schenectady City property record for 1453 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,226 sqft · built 1940 |
| Lot Size | 0.133 acres (5,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,000 (Aug 1994) |
| Tax Bill | $2,994 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Feb 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.63-1-22 |
| Primary APN | 421500 40.63-1-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,226 sqft Living Area |
| 1st Floor Area | 1,226 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| 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 | 221 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 312 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1453 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 | 22.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1004 |
| 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 | 1453 GARNER AVE, SCHENECTADY, NY 12309-5201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage HOMETAP EQUITY PARTNERS LLC |
| Feb 4, 2025 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 1994 · Amount on Record |
| Deed Sale | Aug 16, 1994 · Amount on Record |
| Deed Book / Page | 1430 / 55 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1453 GARNER AVE, SCHENECTADY, NY 12309-5201 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Title Company | EQUITY SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1453 GARNER AVE, SCHENECTADY, NY 12309-5201 |
| Document Number | 0000029403 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | 202529403 |
| Name | HOMETAP EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Address | BOSTON, MA 02116 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1453 GARNER AVE, SCHENECTADY, NY 12309-5201 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1453 CARNER AVE, NISKAYUNA, NY 12309 |
| Document Number | 0000002771 |
|---|---|
| Date | Feb 4, 2025 |
| Instrument | 202502771 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 3, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,994.00 (+4.47%) Homeowner's exemption Disabled Person's exemption | ||
| 2025 | $2,866.00 (+14.14%) | $122,000 (-) Land $18,300 Building $103,700 | $202,020 (+30.82%) Land $30,303 Building $171,717 |
| 2023 | $122,000 (-) Land $18,300 Building $103,700 | $154,430 (+3.8%) Land $23,164 Building $131,266 | |
| 2022 | $122,000 Land $18,300 Building $103,700 | $148,780 Land $22,317 Building $126,463 | |
| 2021 | $2,511.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 97% of the US · lower than 96% 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 618 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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