3 Cindy Ln, Halfmoon (Clifton Park), NY 12065 Property Records

Saratoga County and Halfmoon Town property record for 3 Cindy Ln, Halfmoon, NY 12065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,504 sqft · built 1993
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Sep 2026)
Tax Bill	$8,266 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2026 Line of Credit + 1 more
APN	`413800 278.6-2-4`

Property Details

APN / Parcel Number

Primary APN	`413800 278.6-2-4`
Alternative APN	`380027800600020040000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,504 sqft Living Area
1st Floor Area	1,592 sqft
2nd Floor Area	912 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	25,265 sqft (0.58 acres)
Lot Width	136 ft Width
Garage Type	Attached
Garage Area	590 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	396 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3 CINDY LN
City	HALFMOON
State	NY
Zip	12065-5661
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	HOUSE/LOT 3
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	SARATOGA NY
Township / Civil Division	HALFMOON
Census Block Group	1
Census Block	1002
Census Tract	62410

Owner

Source: Saratoga County and Halfmoon Town records, as of September 17, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	315 CONSAUL RD, ALBANY, NY 12205-3609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Warranty Deed, Transfer · Conventional Mortgage M & T BANK NA
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Feb 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTCO BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2026 · Amount on File
Deed Sale	Sep 3, 2026 · Amount on File
Prior Sale	Aug 4, 2014 · Amount on File
Deed Document Number	202625699
Prior Transfer Date	Jun 23, 2004
Prior Transfer Doc	0016870767
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Sep 3, 2026
Property Address	3 CINDY LN, HALFMOON, NY 12065-5661
Document Number	0000025699
Instrument Date	Aug 31, 2026
Instrument	202625699
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	315 CONSAUL RD, ALBANY, NY 12205-3609

Mortgage

Document Number	0000025700,
Date	Sep 3, 2026
Instrument	202625700

Lender

Name	M & T BANK NA

Agreement

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

Interest

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

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Recording Date	Jul 6, 2026
Property Address	3 CINDY LN, HALFMOON, NY 12065-5661
Document Number	0000019053
Instrument Date	May 19, 2026
Instrument	202619053
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CINDY LN, HALFMOON, NY 12065-5661

Mortgage

Document Number	0000019053,
Date	Jul 6, 2026
Instrument	202619053

Lender

Name	TRUSTCO BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 19, 2056

Interest

Rate	6.23%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	3 CINDY LN, HALFMOON, NY 12065-5661
Transaction Type	Mortgage
Record Updated	Mar 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006208
Date	Feb 16, 2022
Instrument	2022006208

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

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	$8,266.00	$205,000 (-) Land $43,800 Building $161,200	$550,336 (+14.09%) Land $117,584 Building $432,752
2023		$205,000 Land $43,800 Building $161,200	$482,353 Land $103,059 Building $379,294

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

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 95% 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	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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Greenlight Networks.

Nearby Properties on Cindy Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures