Schenectady County and Schenectady City property record for 1059 Cutler St, Schenectady, NY 12303
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 1,914 sqft · built 1900 |
| Lot Size | 0.109 acres (4,785 sqft) |
| Owner | Company Name on File |
| Last Sale | $52,000 (Jun 2022) |
| Tax Bill | $5,279 (2026) |
| Deeds & Mortgages | Apr 2026 Construction Loan Jun 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.62-2-40 |
| Primary APN | 421500 49.62-2-40 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,914 sqft Total Area |
| 1st Floor Area | 957 sqft |
| 2nd Floor Area | 957 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,785 sqft (0.109 acres) |
| Lot Dimensions | 145 ft deep x 33 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 176 sqft |
| Patio Area | 500 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1059 CUTLER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Subdivision | LOT #3 BELONGING TO A G DAVIS |
| Legal Block | 2 |
| Legal Lot Number | 40.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 21500 |
1059 Cutler St, a duplex, is owned by a company that bought it in June 2022.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1059 CUTLER ST, SCHENECTADY, NY 12303 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 22, 2026 | Bargain and Sale Deed, Transfer · Construction Mortgage RJ PRIVATE LENDING LLC |
| Jun 23, 2022 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2022 · Amount on File |
| Deed Sale | Jun 23, 2022 · Amount on File |
| Prior Sale | Nov 19, 2010 · Amount on File |
| Deed Document Number | 202233175 |
| Deed Book / Page | 2087 / 141 |
| Prior Transfer Date | May 26, 2015 |
| Prior Transfer Doc | 0000023553 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 22, 2026 |
| Property Address | 1059 CUTLER ST, SCHENECTADY, NY 12303 |
| Document Number | 0000009255 |
| Book / Page | 2170 / 973 |
| Instrument Date | Feb 27, 2026 |
| Instrument | 20269255 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | VISION ABSTRACT INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1059 CUTLER ST, SCHENECTADY, NY 12303 |
| Document Number | 0000009258, |
|---|---|
| Date | Apr 22, 2026 |
| Instrument | 20269258 |
| Name | RJ PRIVATE LENDING LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Mar 1, 2027 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000009259, |
|---|---|
| Date | Apr 22, 2026 |
| Instrument | 20269259 |
| Name | RJ PRIVATE LENDING LLC |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 23, 2022 |
| Property Address | 1059 CUTLER ST, SCHENECTADY, NY 12303 |
| Document Number | 0000033175 |
| Book / Page | 2087 / 141 |
| Instrument Date | Jun 20, 2022 |
| Instrument | 202233175 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $208.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 974 STRONG ST, SCHENECTADY, NY 12307-1913 |
| Name | Verified Name |
|---|---|
| Address | 114 15 130TH STREET, SOUTH OZONE PARK, NY 11420 |
The 2026 property tax bill for 1059 Cutler St was $5,279, up 1.1% from the year before.
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,279.00 (+1.09%) | ||
| 2025 | $5,222.00 | $81,200 Land $12,200 Building $69,000 | $134,459 Land $20,202 Building $114,257 |
| 2023 | $81,200 (-) Land $12,200 Building $69,000 | $102,785 (+3.8%) Land $15,443 Building $87,342 | |
| 2022 | $81,200 Land $12,200 Building $69,000 | $99,024 Land $14,878 Building $84,146 | |
| 2021 | $4,745.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1059 Cutler St 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.
The area around 1059 Cutler St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 729 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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