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709 Cramer Ave, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 709 Cramer Ave, Schenectady, NY 12306 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1 Baths
Year BuiltBuilt 1985
Square Footage1,242 sqft Living Area
Lot Size3,920 sqft (0.09 acres)
OccupancyOwner Occupied
Last Sale$159,000 (2021)
Tax Bill$4,031.00 (2025)

Property Details

APN / Parcel Number

Primary APN422800 48.19-10-31
Alternative APN
  • 280004801900100310000000

Interior

Bedrooms3 Beds
Full Baths1 Baths
Building Area1,242 sqft Living Area
1st Floor828 sqft 1st Floor
Upper Floors414 sqft Upper Floors
Stories1 Stories

Exterior

Year BuiltBuilt 1926
Effective Year BuiltEffective 1985
Architectural StyleBungalow Style
Exterior MaterialComposition/Composite Exterior
Lot Area3,920 sqft (0.09 acres)
Depth X Width125 ft x 33 ft Depth x Width
Shed1 Shed
Shed Area40 sqft Shed
Porch Area300 sqft Porch

Utilities and HVAC

Heating SystemHot Water Heating
Heating FuelGas Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address709 CRAMER AVE
CitySCHENECTADY
StateNY
Zip12306-3003
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionR CENTRAL REALTY #3-104 2.-125-8
Legal Block10
Legal Lot Number31.000
JurisdictionSCHENECTADY NY
Minor Civil DivisionROTTERDAM
Census Blockgroup2
Census Block2016
Census Tract32700

Owner

Source: Schenectady County and Rotterdam Town records · APN 422800 48.19-10-31

Assessment roll updated April 14, 2026 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address709 CRAMER AVE, SCHENECTADY, NY 12306-3003
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 06, 2021Warranty Deed, Transfer · Conventional Mortgage
1ST PRIORITY MORTGAGE INC
Apr 05, 2017Deed, Transfer · Federal Housing Administration (FHA) Mortgage
HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 06, 2021 · Amount on Record
Deed SaleOct 06, 2021 · Amount on Record
Prior SaleApr 05, 2017 · Amount on Record
Deed Doc Number202149749
Deed Book / Page2068 / 684
Record RefreshedSep 20, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateOct 06, 2021
Property Address709 CRAMER AVE, SCHENECTADY, NY 12306-3003
Document Number0000049749
Book / Page2068 / 684
Instrument DateAug 25, 2021
Instrument202149749
Transaction TypeTransfer
Record UpdatedApr 14, 2026
Title CompanyCHICAGO TITLE ALBANY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$636.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address709 CRAMER AVE, SCHENECTADY, NY 12306-3003

Transferred To (Grantee/Buyer)

NameVerified Name
Address113 VICTORY AVE, SCHENECTADY, NY 12307-1016

Mortgage

Document Number0000049750
DateOct 06, 2021
Instrument202149750
Lender
Name1ST PRIORITY MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Mortgage

Document Number0000049751
DateOct 06, 2021
Book Page5153/924
Instrument202149751
Lender
Name1ST PRIORITY MORTGAGE INC
TypeMortgage Company
AddressBUFFALO, NY 14221
Agreement
TypeNegative Amortization
AmountAmount Recorded

April 2017: Deed, Transfer

Document TypeDeed
JurisdictionSCHENECTADY NY
Recording DateApr 05, 2017
Property Address709 CRAMER AVE, SCHENECTADY, NY 12306-3003
Document Number0000014967
Book / Page1960 / 101
Instrument DateMar 30, 2017
Instrument201714967
Transaction TypeTransfer
Record UpdatedMay 10, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$456.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address709 CRAMER AVE, 709, SCHENECTADY, NY 12306-3003

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1 JAMES ST, HUDSON FALLS, NY 12839-2001

Mortgage

Document Number0000014968
DateApr 05, 2017
Instrument201714968
Lender
NameHOMESTEAD FUNDING CORP
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2047

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
County SubdivisionRotterdam Town
Unified School DistrictRotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,031.00$110,000 (-) Land $5,400 Building $104,600$169,200 (+16.93%) Land $8,306 Building $160,894
2023$110,000 Land $5,400 Building $104,600$144,700 Land $7,103 Building $137,597

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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