3 Cambridge Dr, Halfmoon (Clifton Park), NY 12065 Property Records

Saratoga County and Halfmoon Town property record for 3 Cambridge Dr, Halfmoon, NY 12065

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,968 sqft · built 1972
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Oct 2026)
Tax Bill	$5,137 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Nov 2019 Mortgage + 1 more
APN	`413800 278.10-2-2`

Property Details

APN / Parcel Number

Primary APN	`413800 278.10-2-2`
Alternative APNs	`380027801000020020000000` `5 J02948`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,968 sqft Living Area
1st Floor Area	1,152 sqft
2nd Floor Area	816 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	177 ft deep x 55.7 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	242 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	5 J02948
Street Address	3 CAMBRIDGE DR
City	HALFMOON
State	NY
Zip	12065-5515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	HOUSE/LOT #151
Legal Block	2
Legal Lot Number	2.000
Jurisdiction	SARATOGA NY
Township / Civil Division	HALFMOON
Census Block Group	1
Census Block	1011
Census Tract	62410

Owner

3 Cambridge Dr is owned and occupied by two individuals who bought it in October 2026.

Source: Saratoga County and Halfmoon Town records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2 MCELWAIN AVE, COHOES, NY 12047-2419
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

Date	Document
Oct 1, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Nov 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage SEFCU
Nov 21, 2019	Loan Modification, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on File
Deed Sale	Oct 1, 2026 · Amount on File
Prior Sale	Dec 13, 1996 · Amount on File
Deed Document Number	202628493
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Oct 1, 2026
Property Address	3 CAMBRIDGE DR, HALFMOON, NY 12065-5515
Document Number	0000028493
Instrument Date	Sep 22, 2026
Instrument	202628493
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 MCELWAIN AVE, COHOES, NY 12047-2419

Mortgage

Document Number	0000028494,
Date	Oct 1, 2026
Instrument	202628494

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	3 CAMBRIDGE DR, HALFMOON, NY 12065-5515
Document Number	0000035593
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CAMBRIDGE DR HALFMOON NY 120655515, HALFMOON, NY 12065-5515

Mortgage

Document Number	0000035593
Date	Dec 13, 2019
Instrument	35593

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2049

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SARATOGA NY
Property Address	3 CAMBRIDGE DR, HALFMOON, NY 12065-5515
Document Number	0000035594
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CAMBRIDGE DR HALFMOON NY 120655515, HALFMOON, NY 12065-5515

Mortgage

Document Number	0000035594
Date	Dec 13, 2019
Instrument	35594

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2049

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3 Cambridge Dr was $5,137 with a homeowner's exemption.

Source: Saratoga County and Halfmoon Town assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	New York
County	Saratoga County
County Subdivision	Halfmoon Town
Unified School District	Shenendehowa Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,137.00	$127,400 Land $26,000 Building $101,400	$342,013 Land $69,799 Building $272,214
2023		$127,400 Land $26,000 Building $101,400	$299,765 Land $61,177 Building $238,588

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA has no flood map on file for 3 Cambridge Dr; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
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

The area around 3 Cambridge Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not 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 System	HALFMOON WATER DISTRICT (TROY) serves 15,000 people · EPA ID NY4519111
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2023
Lead	2 ppb (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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: Greenlight Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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