1428 Garner Ave, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 1428 Garner Ave, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,476 sqft · built 1920
Lot Size	0.128 acres (5,600 sqft)
Owner	2 Individual Names on File
Last Sale	$146,000 (Nov 2017)
Tax Bill	$6,060 (2026)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 40.71-1-1`

Property Details

APN / Parcel Number

Primary APN	`421500 40.71-1-1`
Alternative APN	`150004007100010010000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,476 sqft Living Area
1st Floor Area	996 sqft
Upper Floors Area	480 sqft
Attic	Attic
Attic Area	480 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	5,600 sqft (0.128 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Porch	Slab
Porch Area	228 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1428 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	1X WOOD
Legal Block	1
Legal Lot Number	1.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1005
Census Tract	20500

Owner

1428 Garner Ave is owned and occupied by two individuals who bought it in November 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1428 GARNER AVE, SCHENECTADY, NY 12309-5202
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2017 · Amount on File
Deed Sale	Nov 22, 2017 · Amount on File
Prior Sale	Jun 24, 2011 · Amount on File
Deed Document Number	201753273
Deed Book / Page	1975 / 966
Prior Transfer Date	Nov 2, 2000
Prior Transfer Doc	1589000496
Record Updated	Oct 29, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 22, 2017
Property Address	1428 GARNER AVE, SCHENECTADY, NY 12309-5202
Document Number	0000053273
Book / Page	001975 / 000966
Instrument Date	Nov 17, 2017
Instrument	53273
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$584.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 PEYSTER ST ALBANY NY 122082530, ALBANY, NY 12208-2530

Mortgage

Document Number	53274
Date	Nov 22, 2017
Book Page	004802/000979
Instrument	53274

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 21, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1428 Garner Ave was $6,060, up 2% 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	$6,060.00 (+2.02%)
2025	$5,940.00	$121,800 Land $18,300 Building $103,500	$201,689 Land $30,303 Building $171,386
2023		$121,800 (-) Land $18,300 Building $103,500	$154,177 (+3.8%) Land $23,165 Building $131,012
2022		$121,800 Land $18,300 Building $103,500	$148,537 Land $22,317 Building $126,220
2021	$5,698.00

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

Flood

FEMA maps place 1428 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 1428 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 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.

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 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