83 Cindy Crest Dr, Schenectady, NY 12306 Property Records

Schenectady County and Rotterdam Town property record for 83 Cindy Crest Dr, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,800 sqft · built 2004
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Nov 2020)
Tax Bill	$11,775 (2025)
Deeds & Mortgages	Jun 2017 Line of Credit Feb 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`422800 58.20-2-105`

Property Details

APN / Parcel Number

Primary APN	`422800 58.20-2-105`
Alternative APN	`280005802000021050000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,800 sqft Living Area
1st Floor Area	1,576 sqft
2nd Floor Area	1,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	188 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Porch	Slab
Patio Area	150 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	83 CINDY CREST DR
City	SCHENECTADY
State	NY
Zip	12306-3431
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 20 58.20-2-5.1
Legal Block	2
Legal Lot Number	105.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1020
Census Tract	33003

Owner

Source: Schenectady County and Rotterdam Town records, as of April 14, 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	83 CINDY CREST DR, SCHENECTADY, NY 12306-3431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2017	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Feb 21, 2018	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Feb 15, 2019	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Nov 12, 2020	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2020 · Amount on Record
Deed Sale	Nov 12, 2020 · Amount on Record
Deed Document Number	202035095
Deed Book / Page	2045 / 433
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	83 CINDY CREST DR, SCHENECTADY, NY 12306-3431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027595
Date	Jun 21, 2017
Book Page	4767/851
Instrument	201727595

Lender

Name	TRUSTCO BANK
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	83 CINDY CREST DR, SCHENECTADY, NY 12306-3431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007882
Date	Feb 21, 2018
Book Page	4820/182
Instrument	201807882

Lender

Name	TRUSTCO BANK
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	83 CINDY CREST DR, SCHENECTADY, NY 12306-3431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006928
Date	Feb 15, 2019
Book Page	4895/267
Instrument	201906928

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 12, 2020
Property Address	83 CINDY CREST DR, SCHENECTADY, NY 12306-3431
Document Number	0000035095
Book / Page	2045 / 433
Map Reference	CAB K PG 92&93
Instrument Date	Oct 28, 2020
Instrument	202035095
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	83 CINDY CREST DR, 83, SCHENECTADY, NY 12306-3431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83 CINDY CREST DR, SCHENECTADY, NY 12306-3431

Mortgage

Document Number	0000035097
Date	Nov 12, 2020
Book Page	5039/296
Instrument	202035097

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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
2025	$11,775.00	$322,000 (-) Land $32,300 Building $289,700	$495,400 (+16.92%) Land $49,694 Building $445,706
2023		$322,000 Land $32,300 Building $289,700	$423,700 Land $42,502 Building $381,198

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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