1280 Garner Ave, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 1280 Garner Ave, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,686 sqft · built 1935
Lot Size	0.117 acres (5,130 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jun 2025)
Tax Bill	$7,237 (2026)
Deeds & Mortgages	Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 40.71-2-26`

Property Details

APN / Parcel Number

Primary APN	`421500 40.71-2-26`
Alternative APN	`150004007100020260000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,686 sqft Living Area
1st Floor Area	1,081 sqft
Upper Floors Area	605 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cape Cod
Exterior Material	Stone
Lot Area	5,130 sqft (0.117 acres)
Lot Dimensions	114 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	60 sqft
Canopy	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1280 GARNER AVE
City	SCHENECTADY
State	NY
Zip	12309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	2 STONE AND GARAGE
Legal Block	2
Legal Lot Number	26.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1015
Census Tract	20500

Owner

1280 Garner Ave is owned by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	100 N MOHAWK ST, COHOES, NY 12047-1751
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2025 · Amount on File
Deed Sale	Jun 17, 2025 · Amount on File
Deed Document Number	202515112
Deed Book / Page	2151 / 882
Record Updated	Oct 29, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 17, 2025
Property Address	1280 GARNER AVE, SCHENECTADY, NY 12309
Document Number	0000015112
Instrument Date	May 30, 2025
Instrument	202515112
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	NORTHWAY TITLE AGENCY, NORTHWAY TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 AVINGER LN APT 326, 326, DAVIDSON, NC 28036-9759

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 N MOHAWK ST, COHOES, NY 12047-1751

Mortgage

Document Number	0000015113
Date	Jun 17, 2025
Instrument	202515113

Lender

Name	ARROW BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 1280 Garner Ave was $7,237, up 9.1% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,237.00 (+9.06%)
2025	$6,636.00	$146,900 (-) Land $22,000 Building $124,900	$243,252 (+13.35%) Land $36,430 Building $206,822
2024		$146,900 (-) Land $22,000 Building $124,900	$214,609 (+15.41%) Land $32,140 Building $182,469
2023		$146,900 (-) Land $22,000 Building $124,900	$185,949 (+3.8%) Land $27,848 Building $158,101
2022		$146,900 Land $22,000 Building $124,900	$179,146 Land $26,829 Building $152,317
2021	$6,224.00

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

Flood

FEMA maps place 1280 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

Wildfire risk around 1280 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.

Drinking Water

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

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, 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

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