742 Cramer Ave, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 742 Cramer Ave, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,692 sqft · built 1930
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Tax Bill	$4,837 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`422800 48.19-9-13`

Property Details

APN / Parcel Number

Primary APN	`422800 48.19-9-13`
Alternative APN	`280004801900090130000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,692 sqft Living Area
1st Floor Area	1,212 sqft
Upper Floors Area	480 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1970
Architectural Style	Bungalow
Exterior Material	Wood
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	125 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	742 CRAMER AVE
City	SCHENECTADY
State	NY
Zip	12306-3004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G2ST,ADD CENTR RLTY #3-128-PT129 2.-126-7
Legal Block	9
Legal Lot Number	13.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	3
Census Block	3003
Census Tract	32700

Owner

Source: Schenectady County and Rotterdam Town records · APN 422800 48.19-9-13

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 Record	Individual Name on File
Mailing Address	742 CRAMER AVE, SCHENECTADY, NY 12306-3004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	742 CRAMER AVE, SCHENECTADY, NY 12306-3004
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	742 CRAMER AVE, SCHENECTADY, NY 12306-3004

Mortgage

Document Number	0000031410
Date	Oct 09, 2020
Book Page	5028/341
Instrument	202031410

Lender

Name	PIONEER BANK
Type	Bank
Address	ALBANY, NY 12211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 01, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Rotterdam-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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,837.00	$132,000 (-) Land $6,000 Building $126,000	$203,100 (+16.93%) Land $9,232 Building $193,868
2023		$132,000 Land $6,000 Building $126,000	$173,700 Land $7,895 Building $165,805

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 7, 2014 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Greenlight Networks Holding Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 701 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ROTTERDAM WD #5 serves 28,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.