82 Cindy Crest Dr, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 82 Cindy Crest Dr, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,975 sqft · built 2005
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Company Names on Record
Last Sale	$307,000 (Dec 2020)
Tax Bill	$10,218 (2026)
Deeds & Mortgages	Sep 2023 Transfer Sep 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`422800 58.20-2-123`

Property Details

APN / Parcel Number

Primary APN	`422800 58.20-2-123`
Alternative APN	`280005802000021230000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,975 sqft Living Area
1st Floor Area	1,975 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	152 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	300 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	82 CINDY CREST DR
City	SCHENECTADY
State	NY
Zip	12306-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COLONIAL MANOR ESTATES SECTION 3 FILES 9/5/02 LOT 9 58.20-2-5.1
Legal Subdivision	COLONIAL MANOR ESTATES SECTION 3
Legal Block	2
Legal Lot Number	123.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1019
Census Tract	33003

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	82 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Intrafamily Transfer, Transfer
Sep 8, 2023	Intrafamily Transfer, Transfer
Dec 28, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Sep 27, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Feb 22, 2018	Deed, Transfer · Conventional Mortgage HUNT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2020 · Amount on Record
Deed Sale	Dec 28, 2020 · Amount on Record
Prior Sale	Feb 22, 2018 · Amount on Record
Deed Document Number	202040896
Deed Book / Page	2048 / 766
Last Transfer Date	Aug 23, 2023
Transfer Doc	0000050951
Record Updated	Oct 29, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 8, 2023
Property Address	82 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Document Number	0000050951
Book / Page	2115 / 588
Map Reference	CAB K 92 & 93
Instrument Date	Aug 23, 2023
Instrument	202350951
Transaction Type	Transfer
Record Updated	Sep 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	82 CINDY CREST DR, ROTTERDAM, NY 12306-3411

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 8, 2023
Property Address	82 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Document Number	0000050951
Book / Page	2115 / 588
Map Reference	CAB K 92 & 93
Instrument Date	Aug 23, 2023
Instrument	202350951
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	82 CINDY CREST DR, ROTTERDAM, NY 12306-3411

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 28, 2020
Property Address	82 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Document Number	0000040896
Book / Page	2048 / 766
Map Reference	CAB K PG 92&93
Instrument Date	Dec 2, 2020
Instrument	202040896
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,228.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	82 CINDY CREST DR, 82, ROTTERDAM, NY 12306-3411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 CINDY CREST DR, ROTTERDAM, NY 12306-3431

Mortgage

Document Number	0000040897
Date	Dec 28, 2020
Instrument	202040897

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	82 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Document Number	0000048020
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	STATEWIDE ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	82 CINDY CREST DR SCHENECTADY NY 123063411, SCHENECTADY, NY 12306-3411

Mortgage

Document Number	0000048020
Date	Oct 23, 2019
Book Page	004947/000893
Instrument	48020

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 2034

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	82 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Document Number	0000048021
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	STATEWIDE ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	82 CINDY CREST DR SCHENECTADY NY 123063411, SCHENECTADY, NY 12306-3411

Mortgage

Document Number	0000048021
Date	Oct 23, 2019
Book Page	004947/000911
Instrument	48021

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MINNEAPOLIS, MN 55467-8000

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 2034

Interest

Rate Type	Fixed Rate
Rate	3.25%

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 22, 2018
Property Address	82 CINDY CREST DR, SCHENECTADY, NY 12306-3411
Document Number	0000008088
Book / Page	1981 / 942
Map Reference	CAB K SL 92&93
Instrument Date	Feb 15, 2018
Instrument	201808088
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	WESTCOR LAND TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1536 UNION ST, 1536, SCHENECTADY, NY 12309-6002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1910 ROBBINS PL APT 302, 302, AUSTIN, TX 78705-5352

Mortgage

Document Number	0000008091
Date	Feb 22, 2018
Instrument	201808091

Lender

Name	HUNT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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	$10,218.00 (+1.61%)
2025	$10,056.00	$275,000 (-) Land $26,300 Building $248,700	$423,100 (+10.79%) Land $40,464 Building $382,636
2024		$275,000 (-) Land $26,300 Building $248,700	$381,900 (+5.56%) Land $36,524 Building $345,376
2023		$275,000 (-) Land $26,300 Building $248,700	$361,800 (+9.21%) Land $34,601 Building $327,199
2022		$275,000 Land $26,300 Building $248,700	$331,300 Land $31,684 Building $299,616

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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