82 Cady Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 82 Cady Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,404 sqft · built 1947
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$267,000 (Nov 2025)
Tax Bill	$3,735 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 49.19-2-5`

Property Details

APN / Parcel Number

Primary APN	`422800 49.19-2-5`
Alternative APN	`280004901900020050000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	984 sqft
Upper Floors Area	420 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1970
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	580 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	50 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	82 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,G FOSTER 442-446 4.-347-11.A
Legal Block	2
Legal Lot Number	5.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1004
Census Tract	32902

Owner

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	354 MAIN ST, RICHMONDVILLE, NY 12149-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Warranty Deed, Transfer · FHA Mortgage KEY BANK NA
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU
Nov 14, 2018	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2025 · Amount on Record
Deed Sale	Nov 10, 2025 · Amount on Record
Prior Sale	Oct 19, 2006 · Amount on Record
Deed Document Number	202526448
Deed Book / Page	2160 / 498
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 10, 2025
Property Address	82 CADY AVE, SCHENECTADY, NY 12303-1547
Document Number	0000026448
Instrument Date	Nov 10, 2025
Instrument	202526448
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	SMPR TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,068.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	82 CADY AVE, SCHENECTADY, NY 12303-1547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 MAIN ST, RICHMONDVILLE, NY 12149-2604

Mortgage

Document Number	0000026449
Date	Nov 10, 2025
Instrument	202526449

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	82 CADY AVE, SCHENECTADY, NY 12303-1547
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LEGACY TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 CADY AVE, SCHENECTADY, NY 12303-1547

Mortgage

Document Number	0000037335
Date	Nov 25, 2020
Book Page	5044/525
Instrument	202037335

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 14, 2018
Property Address	82 CADY AVE, SCHENECTADY, NY 12303-1547
Document Number	0000050333
Book / Page	001999 / 000959
Instrument Date	Oct 19, 2018
Instrument	50333
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 CADY AVE SCHENECTADY NY 123031547, SCHENECTADY, NY 12303-1547

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	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,735.00 (+0.08%) Homeowner's exemption
2025	$3,732.00 (+88.77%)	$131,000 (-) Land $10,200 Building $120,800	$201,500 (+10.78%) Land $15,689 Building $185,811
2024		$131,000 (-) Land $10,200 Building $120,800	$181,900 (+5.51%) Land $14,163 Building $167,737
2023		$131,000 (-) Land $10,200 Building $120,800	$172,400 (+9.25%) Land $13,424 Building $158,976
2022		$131,000 Land $10,200 Building $120,800	$157,800 Land $12,287 Building $145,513
2021	$1,977.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	None beyond ember reach

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 341 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
Starlink Satellite	280 / 30

May also be available: Greenlight Networks, T-Mobile.

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