80 Cady Ave, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 80 Cady Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,262 sqft · built 1950
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$196,000 (Jul 2022)
Tax Bill	$2,433 (2021)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 49.19-2-4`

Property Details

APN / Parcel Number

Primary APN	`422800 49.19-2-4`
Alternative APN	`280004901900020040000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,262 sqft Living Area
1st Floor Area	1,262 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	125 ft deep x 40 ft wide

Exterior Amenities

Porch	Slab
Porch Area	100 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	80 CADY AVE
City	SCHENECTADY
State	NY
Zip	12303-1547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,ADD FOSTER PT 440,441 4.-347-10
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3020
Census Tract	21600

Owner

Source: Schenectady County and Schenectady City 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	Individual Name on Record
Mailing Address	80 CADY AVE, SCHENECTADY, NY 12303-1547
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Warranty Deed, Transfer · FHA Mortgage SEFCU MORTGAGE SERVICES
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 10, 2020	Warranty Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	Sep 10, 2020 · Amount on Record
Deed Document Number	202239380
Deed Book / Page	2089 / 563
Prior Transfer Date	Dec 19, 2013
Prior Transfer Doc	0000000981
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 27, 2022
Property Address	80 CADY AVE, SCHENECTADY, NY 12303-1547
Document Number	0000039380
Book / Page	2089 / 563
Instrument Date	Jul 21, 2022
Instrument	202239380
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$784.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	80 CADY AVE, 80, SCHENECTADY, NY 12303-1547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 EXCHANGE ST APT 3B, 3B, ALBANY, NY 12205-3349

Mortgage

Document Number	0000039381
Date	Jul 27, 2022
Instrument	202239381

Lender

Name	SEFCU MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	80 CADY AVE, SCHENECTADY, NY 12303-1547
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 CADY AVE, SCHENECTADY, NY 12303-1547

Mortgage

Document Number	0000044445
Date	Sep 9, 2021
Book Page	5142/342
Instrument	202144445

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Sep 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 10, 2020
Property Address	80 CADY AVE, SCHENECTADY, NY 12303-1547
Document Number	0000027070
Book / Page	2041 / 349
Instrument Date	Aug 27, 2020
Instrument	202027070
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	80 CADY AVE, 80, SCHENECTADY, NY 12303-1547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 OAKBROOK MNR APT O, O, RAVENA, NY 12143-1039

Mortgage

Document Number	0000027072
Date	Sep 10, 2020
Instrument	202027072

Lender

Name	PREMIUM MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$125,000 (-) Land $3,900 Building $121,100	$192,300 (+16.9%) Land $6,000 Building $186,300
2023		$125,000 (-) Land $3,900 Building $121,100	$164,500 (+9.23%) Land $5,132 Building $159,368
2022		$125,000 Land $3,900 Building $121,100	$150,600 Land $4,699 Building $145,901
2021	$2,433.00

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

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

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.2% 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	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 369 locations within half a mile, as of December 31, 2025

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

May also be available: Greenlight Networks.

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