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

Saratoga County and Halfmoon Town property record for 45 Cindy Ln, Halfmoon, NY 12065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,904 sqft · built 1990
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$342,000 (Jul 2020)
Tax Bill	$7,601 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jul 2020 Mortgage
APN	`413800 278.10-4-26`

Property Details

APN / Parcel Number

Primary APN	`413800 278.10-4-26`
Alternative APN	`380027801000040260000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,904 sqft Living Area
1st Floor Area	992 sqft
2nd Floor Area	912 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	20,038 sqft (0.46 acres)
Lot Width	123 ft Width
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	528 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 CINDY LN
City	HALFMOON
State	NY
Zip	12065-5662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	HOUSE/LOT 45
Legal Block	4
Legal Lot Number	26.000
Jurisdiction	SARATOGA NY
Township / Civil Division	HALFMOON
Census Block Group	1
Census Block	1004
Census Tract	62410

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	45 CINDY LN, HALFMOON, NY 12065-5662
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Deed of Trust, Mortgage · Line of Credit BERKSHIRE BANK
Jul 29, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage BERKSHIRE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2020 · Amount on Record
Deed Sale	Jul 29, 2020 · Amount on Record
Prior Sale	Jul 28, 2003 · Amount on Record
Deed Document Number	202019629
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	45 CINDY LN, HALFMOON, NY 12065-5662
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018627
Date	Jul 24, 2023
Instrument	2023018627

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2043

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	45 CINDY LN, HALFMOON, NY 12065-5662
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019630
Date	Jul 29, 2020
Instrument	2020019630

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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	$7,601.00	$188,500 (-) Land $34,800 Building $153,700	$506,040 (+14.09%) Land $93,423 Building $412,617
2023		$188,500 Land $34,800 Building $153,700	$443,529 Land $81,882 Building $361,647

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 · 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 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

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