Schenectady County and Schenectady City property record for 1418 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,424 sqft · built 1920 |
| Lot Size | 0.128 acres (5,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $267,000 (Sep 2026) |
| Tax Bill | $6,567 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.71-1-17 |
| Primary APN | 421500 40.71-1-17 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,424 sqft Living Area |
| 1st Floor Area | 1,424 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Lot Area | 5,600 sqft (0.128 acres) |
| Lot Dimensions | 140 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 322 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1418 GARNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 17.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20500 |
Source: Schenectady County and Schenectady City records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2812 BROADWAY, SCHENECTADY, NY 12306-2104 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICU CREDIT UNION |
| May 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jan 11, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jan 24, 2024 | Executor's Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2026 · Amount on Record |
| Deed Sale | Sep 22, 2026 · Amount on Record |
| Prior Sale | Jan 24, 2024 · Amount on Record |
| Deed Document Number | 202621081 |
| Deed Book / Page | 2180 / 185 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 22, 2026 |
| Property Address | 1418 GARNER AVE, SCHENECTADY, NY 12309-5202 |
| Document Number | 0000021081 |
| Book / Page | 2180 / 185 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 202621081 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2026 |
| Title Company | SMPR TITLE AGENCY INC, SMPR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $107,868.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2812 BROADWAY, SCHENECTADY, NY 12306-2104 |
| Document Number | 0000021082, |
|---|---|
| Date | Sep 22, 2026 |
| Instrument | 202621082 |
| Name | AMERICU CREDIT UNION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1418 GARNER AVE, SCHENECTADY, NY 12309-5202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 1418 GARNER AVE, SCHENECTADY, NY 12309-5202 |
| Document Number | 0000023802 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 5101/869 |
| Instrument | 202123802 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1418 GARNER AVE, SCHENECTADY, NY 12309-5202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1418 GARNER AVE, SCHENECTADY, NY 12309-5202 |
| Document Number | 0000001798 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 5189/215 |
| Instrument | 202201798 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 24, 2024 |
| Property Address | 1418 GARNER AVE, SCHENECTADY, NY 12309-5202 |
| Document Number | 0000005396 |
| Book / Page | 2124 / 200 |
| Map Reference | CAB D348 |
| Instrument Date | Dec 21, 2023 |
| Instrument | 202405396 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | SMPR TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $880.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1418 GARNER AVE, SCHENECTADY, NY 12309-5202 |
| Name | Verified Name |
|---|---|
| Address | 89C CARRIAGE HL, HALFMOON, NY 12065-4239 |
| Document Number | 0000005400 |
|---|---|
| Date | Jan 24, 2024 |
| Instrument | 202405400 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2054 |
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 | $6,567.00 (-26.15%) | ||
| 2025 | $8,892.00 (+394.27%) | $134,100 (-) Land $20,100 Building $114,000 | $222,057 (+30.82%) Land $33,284 Building $188,773 |
| 2023 | $134,100 (-) Land $20,100 Building $114,000 | $169,747 (+3.8%) Land $25,443 Building $144,304 | |
| 2022 | $134,100 Land $20,100 Building $114,000 | $163,537 Land $24,512 Building $139,025 | |
| 2021 | $1,799.00 |
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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