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1128 Garner Ave, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 1128 Garner Ave, Schenectady, NY 12309

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,084 sqft · built 1951
Lot Size0.257 acres (11,200 sqft)
Owner2 Individual Names on Record
Last Sale$135,000 (Jul 2017)
Tax Bill$6,858 (2026)
Deeds & MortgagesAug 2021 Mortgage
Jul 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN421500 50.22-2-43

Property Details

APN / Parcel Number

Primary APN421500 50.22-2-43
Alternative APN
  • 150005002200020430000000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area1,084 sqft Living Area
1st Floor Area1,084 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1951
Effective Year BuiltEffective 1951
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area11,200 sqft (0.257 acres)
Lot Dimensions140 ft deep x 80 ft wide
Garage TypeAttached
Garage Area260 sqft
Parking Spaces1 Parking Space

Exterior Amenities

Pool TypeIn-Ground Vinyl Pool
PorchSlab
Porch Area48 sqft
Patio Area296 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1128 GARNER AVE
CitySCHENECTADY
StateNY
Zip12309-5706
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal Description5O6 1 STUCCO AND GARAGE
Legal Block2
Legal Lot Number43.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group2
Census Block2003
Census Tract20500

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address1128 GARNER AVE, SCHENECTADY, NY 12309-5706
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Jul 3, 2017Warranty Deed, Transfer · Conventional Mortgage
SEFCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 3, 2017 · Amount on Record
Deed SaleJul 3, 2017 · Amount on Record
Prior SaleNov 15, 2016 · Amount on Record
Deed Document Number201729720
Deed Book / Page1966 / 196
Prior Transfer DateApr 7, 2016
Prior Transfer Doc0000017668
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address1128 GARNER AVE, SCHENECTADY, NY 12309-5706
Transaction TypeMortgage
Record UpdatedAug 31, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1128 GARNER AVE, SCHENECTADY, NY 12309-5706

Mortgage

Document Number0000040319
DateAug 18, 2021
Book Page5132/691
Instrument202140319
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term354 Months
DueFeb 1, 2051

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateJul 3, 2017
Property Address1128 GARNER AVE, SCHENECTADY, NY 12309-5706
Document Number0000029720
Book / Page001966 / 000196
Instrument DateJun 20, 2017
Instrument29720
Transaction TypeTransfer
Record UpdatedAug 22, 2018
Title CompanyELITE TITLE ABSTRACT LLC, ELITE TITLE ABS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$540.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1277 RUFFNER RD NISKAYUNA NY 123094630, NISKAYUNA, NY 12309-4630

Mortgage

Document Number29721
DateJul 3, 2017
Book Page004770/000655
Instrument29721
Lender
NameSEFCU
TypeCredit Union
AddressALBANY, NY 12206
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 2, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,858.00 (+1.87%)
2025$6,732.00 (+3.95%)$140,000 (-) Land $15,000 Building $125,000$231,826 (+30.82%) Land $24,838 Building $206,988
2023$140,000 (-) Land $15,000 Building $125,000$177,215 (+3.8%) Land $18,987 Building $158,228
2022$140,000 Land $15,000 Building $125,000$170,732 Land $18,293 Building $152,439
2021$6,476.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskNot rated
no burnable land within 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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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