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721 Cramer Ave, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 721 Cramer Ave, Schenectady, NY 12306 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms1 Baths
Year BuiltBuilt 2000
Square Footage1,460 sqft Living Area
Lot Size3,920 sqft (0.09 acres)
OccupancyOwner Occupied
Last Sale$160,500 (2019)
Tax Bill$5,415.00 (2025)

Property Details

APN / Parcel Number

Primary APN422800 48.19-10-28
Alternative APN
  • 280004801900100280000000

Interior

Bedrooms4 Beds
Full Baths1 Baths
Building Area1,460 sqft Living Area
1st Floor1,042 sqft 1st Floor
Upper Floors418 sqft Upper Floors
Stories1 Stories

Exterior

Year BuiltBuilt 1935
Effective Year BuiltEffective 2000
Architectural StyleBungalow Style
Exterior MaterialAluminum/Vinyl Exterior
Lot Area3,920 sqft (0.09 acres)
Depth X Width125 ft x 32 ft Depth x Width
Shed1 Shed
Shed Area100 sqft Shed
Porch Area50 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating
Heating FuelGas Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address721 CRAMER AVE
CitySCHENECTADY
StateNY
Zip12306-3003
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionR,G CENTR RLTY #3-PT101 2.-125-5
Legal SubdivisionCENTRAL REALTY COMPANY OF SCHENECTADY
Legal Block10
Legal Lot Number28.000
JurisdictionSCHENECTADY NY
Minor Civil DivisionROTTERDAM
Census Blockgroup2
Census Block2016
Census Tract32700

Owner

Source: Schenectady County and Rotterdam Town records · APN 422800 48.19-10-28

Assessment roll updated April 14, 2026 · Last verified April 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 Address721 CRAMER AVE, SCHENECTADY, NY 12306-3003
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 09, 2025Deed of Trust, Mortgage · Line of Credit
BROADVIEW FCU
Apr 22, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
HOMESTEAD FUNDING CORP
May 02, 2018Grant Deed, Transfer
PARTNERS ABSTRACT CORPORATION
Mar 29, 2018Trustee's Deed, Foreclosure
SERVICELINK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 22, 2019 · Amount on Record
Deed SaleApr 22, 2019 · Amount on Record
Prior SaleMay 02, 2018 · Amount on Record
Deed Doc Number201917075
Deed Book / Page2009 / 725
Record RefreshedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address721 CRAMER AVE, SCHENECTADY, NY 12306-3003
Transaction TypeMortgage
Record UpdatedApr 14, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address721 CRAMER AVE, SCHENECTADY, NY 12306-3003

Mortgage

Document Number0000024262
DateOct 09, 2025
Instrument202524262
Lender
NameBROADVIEW FCU
TypeCredit Union
AddressALBANY, NY 12205
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueOct 08, 2045
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateApr 22, 2019
Property Address721 CRAMER AVE, SCHENECTADY, NY 12306-3003
Document Number0000017075
Book / Page2009 / 725
Instrument DateApr 17, 2019
Instrument201917075
Transaction TypeTransfer
Record UpdatedMay 10, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$642.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1964 HELDERBERG AVE, 1964, SCHENECTADY, NY 12306-4212

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address721 CRAMER AVE, SCHENECTADY, NY 12306-3003

Mortgage

Document Number0000017077
DateApr 22, 2019
Instrument201917077
Lender
NameHOMESTEAD FUNDING CORP
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2049

May 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSCHENECTADY NY
Recording DateMay 02, 2018
Property Address721 CRAMER AVE, SCHENECTADY, NY 12306-3003
Document Number0000018769
Book / Page001986 / 000230
Instrument DateApr 10, 2018
Instrument18769
Transaction TypeTransfer
Record UpdatedMay 15, 2018
Title CompanyPARTNERS ABSTRACT CORPORATION

Transaction

AmountAmount Recorded
Tax$200.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1964 HELDERBERG AVE ROTTERDAM NY 123064212, ROTTERDAM, NY 12306-4212

March 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionSCHENECTADY NY
Recording DateMar 29, 2018
Property Address721 CRAMER AVE, SCHENECTADY, NY 12306-3003
Document Number0000013261
Book / Page001983 / 000940
Instrument DateMar 21, 2018
Instrument13261
Transaction TypeForeclosure
Record UpdatedApr 13, 2018
Title CompanySERVICELINK

Transaction

AmountAmount Recorded
Tax$100.00
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address9990 RICHMOND AVE #400 HOUSTON TX 770424546, 400, HOUSTON, TX 77042-4546

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 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$5,415.00$157,300 (-) Land $5,400 Building $151,900$242,000 (+16.91%) Land $8,308 Building $233,692
2023$157,300 Land $5,400 Building $151,900$207,000 Land $7,106 Building $199,894

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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