Schenectady County and Schenectady City property record for 1432 Garner Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 882 sqft · built 1923 |
| Lot Size | 0.128 acres (5,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $82,900 (Mar 2007) |
| Tax Bill | $3,878 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.63-2-10 |
| Primary APN | 421500 40.63-2-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 882 sqft Living Area |
| 1st Floor Area | 504 sqft |
| Upper Floors Area | 378 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 5,600 sqft (0.128 acres) |
| Lot Dimensions | 140 ft deep x 40 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 192 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1432 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 | 2 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20500 |
1432 Garner Ave is owned and occupied by an individual who bought it in March 2007.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1432 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.
| Date | Document |
|---|---|
| Feb 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES FCU |
| Feb 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2007 · Amount on File |
| Deed Sale | Mar 1, 2007 · Amount on File |
| Prior Sale | Feb 17, 2005 · Amount on File |
| Deed Book / Page | 1755 / 155 |
| Prior Transfer Date | Oct 14, 1999 |
| Prior Transfer Doc | 1565000959 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1432 GARNER AVE, SCHENECTADY, NY 12309-5202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1432 GARNER AVE, SCHENECTADY, NY 12309-5202 |
| Document Number | 0000009325 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 5203/125 |
| Instrument | 202209325 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1432 GARNER AVE, SCHENECTADY, NY 12309-5202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1432 GARNER AVE, SCHENECTADY, NY 12309-5202 |
| Document Number | 0000009326 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 5203/137 |
| Instrument | 202209326 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2037 |
The 2026 property tax bill for 1432 Garner Ave was $3,878 with a homeowner's exemption, up 4.3% from the year before.
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 | $3,878.00 (+4.28%) Homeowner's exemption | ||
| 2025 | $3,719.00 | $79,100 Land $11,900 Building $67,200 | $130,982 Land $19,705 Building $111,277 |
| 2023 | $79,100 (-) Land $11,900 Building $67,200 | $100,127 (+3.8%) Land $15,063 Building $85,064 | |
| 2022 | $79,100 Land $11,900 Building $67,200 | $96,463 Land $14,512 Building $81,951 | |
| 2021 | $3,357.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1432 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 risk around 1432 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.
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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