45 Cindy Crest Dr, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 45 Cindy Crest Dr, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,170 sqft · built 1978
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,475 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 58.15-8-18`

Property Details

APN / Parcel Number

Primary APN	`422800 58.15-8-18`
Alternative APN	`280005801500080180000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,170 sqft Living Area
1st Floor Area	1,676 sqft
Upper Floors Area	286 sqft
Basement Area	494 sqft
Finished Basement	494 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2000
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	124 ft deep x 135 ft wide
Garage Type	Carport
Garage Area	150 sqft
Carport	Carport
Carport Area	150 sqft

Exterior Amenities

Porch	Slab
Porch Area	275 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 CINDY CREST DR
City	SCHENECTADY
State	NY
Zip	12306-3410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G2,BF,FP,PT-L,CRP HEWITT GAR #2 - 239 7.-522-20
Legal Block	8
Legal Lot Number	18.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1018
Census Tract	33003

Owner

45 Cindy Crest Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 CINDY CREST DR, SCHENECTADY, NY 12306-3410
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
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 11, 2021
Property Address	45 CINDY CREST DR, SCHENECTADY, NY 12306-3410
Document Number	0000021496
Book / Page	2058 / 539
Instrument Date	May 6, 2021
Instrument	202121496
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 CINDY CREST DR, 45, SCHENECTADY, NY 12306-3410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 SARTOLI AVE, SCHENECTADY, NY 12303-2608

Mortgage

Document Number	0000021497
Date	May 11, 2021
Instrument	202121497

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 45 Cindy Crest Dr was $9,475, down 7.4% from the year before.

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	$9,475.00 (-7.42%)
2025	$10,234.00	$255,000 Land $29,300 Building $225,700	$392,300 Land $45,076 Building $347,224
2023		$255,000 Land $29,300 Building $225,700	$335,500 Land $38,550 Building $296,950

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

Flood

FEMA maps place 45 Cindy Crest Dr 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 45 Cindy Crest Dr is low, with 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 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.

Nearby Properties on Cindy Crest Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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