49 Cindy Crest Dr, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 49 Cindy Crest Dr, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,808 sqft · built 1970
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Tax Bill	$8,732 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 58.16-12-5`

Property Details

APN / Parcel Number

Primary APN	`422800 58.16-12-5`
Alternative APN	`280005801600120050000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,808 sqft Living Area
1st Floor Area	912 sqft
2nd Floor Area	720 sqft
Upper Floors Area	176 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	32 ft deep x 157 ft wide
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Porch	Patio
Porch Area	150 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	49 CINDY CREST DR
City	SCHENECTADY
State	NY
Zip	12306-3431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,FP,2STY,SP,ENCPT COL CREST #3 - PT37 7.-520-7
Legal Subdivision	HEWETT GARDENS SUBDIVISION MAP
Legal Block	12
Legal Lot Number	5.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1031
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	49 CINDY CREST DR, SCHENECTADY, NY 12306-3431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC
Dec 21, 2020	Warranty Deed, Transfer · Commercial Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 2, 2026
Property Address	49 CINDY CREST DR, SCHENECTADY, NY 12306-3431
Document Number	0000007566
Instrument Date	Mar 21, 2026
Instrument	20267566
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 CINDY CREST DR, SCHENECTADY, NY 12306-3431

Mortgage

Document Number	0000007566,
Date	Apr 2, 2026
Instrument	20267566

Lender

Name	CITIZENS BANK INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Mar 25, 2051

Interest

Rate	6.01%
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 21, 2020
Property Address	49 CINDY CREST DR, SCHENECTADY, NY 12306-3431
Document Number	0000040440
Book / Page	2048 / 407
Instrument Date	Dec 2, 2020
Instrument	202040440
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 SCHOONMAKER RD, DELANSON, NY 12053-5108

Mortgage

Document Number	0000040441
Date	Dec 21, 2020
Instrument	202040441

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$8,732.00 (-7.42%)
2025	$9,432.00	$235,000 (-) Land $16,500 Building $218,500	$361,500 (+16.91%) Land $25,382 Building $336,118
2023		$235,000 Land $16,500 Building $218,500	$309,200 Land $21,710 Building $287,490

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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