42 Cindy Crest Dr, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 42 Cindy Crest Dr, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,708 sqft · built 2018
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Jun 2019)
Tax Bill	$10,887 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`422800 58.15-8-40`

Property Details

APN / Parcel Number

Primary APN	`422800 58.15-8-40`
Alternative APN	`280005801500080400000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,708 sqft Living Area
1st Floor Area	840 sqft
2nd Floor Area	868 sqft
Upper Floors Area	286 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	152 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	140 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	42 CINDY CREST DR
City	SCHENECTADY
State	NY
Zip	12306-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,BF,FP,TLSH HEWITT GDNS #3 - 245
Legal Subdivision	HEWETT GARDENS SUBDIVISION
Legal Block	8
Legal Lot Number	40.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1017
Census Tract	33003

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	42 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Line of Credit SUNMARK FCU
Jun 8, 2022	Warranty Deed, Transfer · Conventional Mortgage SUNMARK FCU
Jun 13, 2019	Deed, Transfer · FHA Mortgage SUNMARK FCU
Jun 8, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2019 · Amount on Record
Deed Sale	Jun 13, 2019 · Amount on Record
Prior Sale	Jun 8, 2017 · Amount on Record
Deed Document Number	201926798
Deed Book / Page	2013 / 5
Last Transfer Date	May 26, 2022
Transfer Doc	0000030299
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	42 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CINDY CREST DR, SCHENECTADY, NY 12306-3411

Mortgage

Document Number	0000007123
Date	Mar 30, 2026
Instrument	202607123

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 25, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 8, 2022
Property Address	42 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Document Number	0000030299
Book / Page	2086 / 279
Map Reference	CAB D MAP 302
Instrument Date	May 26, 2022
Instrument	202230299
Transaction Type	Transfer
Record Updated	Jun 20, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 CINDY CREST DR, 42, SCHENECTADY, NY 12306-3411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CINDY CREST DR, SCHENECTADY, NY 12306-3411

Mortgage

Document Number	0000030300
Date	Jun 8, 2022
Instrument	202230300

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jul 1, 2032
Change Frequency	Monthly
Min Rate At Change	3.12%
Max Rate At Change	5.12%
Index	Other
Max Rate	5.12%

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 13, 2019
Property Address	42 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Document Number	0000026798
Book / Page	2013 / 005
Map Reference	CAB D MAP 302
Instrument Date	Jun 4, 2019
Instrument	201926798
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,196.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2186 CHENTS ROAD, 2186, SCHENECTADY, NY 12306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2186 GHENTS RD, SCHENECTADY, NY 12306-2507

Mortgage

Document Number	0000026799
Date	Jun 13, 2019
Instrument	201926799

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 8, 2017
Property Address	42 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Document Number	0000025268
Book / Page	001964 / 000389
Instrument Date	Jun 1, 2017
Instrument	25268
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$236.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2186 GHENTS RD SCHENECTADY NY 123062507, SCHENECTADY, NY 12306-2507

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Schalmont Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,887.00 (-7.42%)
2025	$11,759.00	$293,000 (-) Land $21,000 Building $272,000	$450,800 (+16.94%) Land $32,310 Building $418,490
2023		$293,000 Land $21,000 Building $272,000	$385,500 Land $27,630 Building $357,870

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

Flood

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

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

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ROTTERDAM WD #5 serves 28,000 people · EPA ID NY4600069
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2024–2026) 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 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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