87 Cady Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 87 Cady Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 870 sqft · built 1945
Lot Size	0.59 acres (25,700 sqft)
Owner	Individual Name on File
Last Sale	$127,500 (May 2017)
Tax Bill	$3,473 (2026)
Deeds & Mortgages	Sep 2020 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 49.19-3-20`

Property Details

APN / Parcel Number

Primary APN	`422800 49.19-3-20`
Alternative APN	`280004901900030200000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	870 sqft Living Area
1st Floor Area	580 sqft
Upper Floors Area	290 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1970
Architectural Style	Bungalow
Exterior Material	Brick
Lot Area	25,700 sqft (0.59 acres)
Lot Dimensions	234 ft deep x 110 ft wide
Garage Type	Mixed
Garage Area	673 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	87 CADY AVE
City	SCHENECTADY
State	NY
Zip	12303-1545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G CORTLAND MANOR 1A 5.-385-16
Legal Block	3
Legal Lot Number	20.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1003
Census Tract	32902

Owner

87 Cady Ave is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	87 CADY AVE, SCHENECTADY, NY 12303-1545
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP
May 5, 2017	Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2017 · Amount on File
Deed Sale	May 5, 2017 · Amount on File
Prior Sale	Feb 3, 2014 · Amount on File
Deed Document Number	201720155
Deed Book / Page	1961 / 987
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	87 CADY AVE, SCHENECTADY, NY 12303-1545
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NAT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 CADY AVE, SCHENECTADY, NY 12303-1545

Mortgage

Document Number	0000028406
Date	Sep 22, 2020
Book Page	5022/807
Instrument	202028406

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 5, 2017
Property Address	87 CADY AVE, SCHENECTADY, NY 12303-1545
Document Number	0000020155
Book / Page	1961 / 987
Instrument Date	Apr 30, 2017
Instrument	201720155
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	87 CADY AVE, 87, SCHENECTADY, NY 12303-1545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 LATHAM VILLAGE LN APT 11, 11, LATHAM, NY 12110-3235

Mortgage

Document Number	0000020157
Date	May 5, 2017
Book Page	4758/740
Instrument	201720157

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 87 Cady Ave was $3,473, down 0.7% from the year before.

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	$3,473.00 (-0.69%)
2025	$3,497.00	$110,000 Land $20,700 Building $89,300	$169,200 Land $31,840 Building $137,360
2023		$110,000 (-) Land $20,700 Building $89,300	$144,700 (+9.21%) Land $27,230 Building $117,470
2022		$110,000 Land $20,700 Building $89,300	$132,500 Land $24,934 Building $107,566
2021	$2,141.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 87 Cady Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 87 Cady Ave is low, with less than a 0.01% annual chance of 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.

Nearby Properties on Cady Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures