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106 Cuthbert St, Scotia (Schenectady), NY 12302 Property Records

Schenectady County and Glenville Town property record for 106 Cuthbert St, Scotia, NY 12302

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,368 sqft · built 1925
Lot Size0.101 acres (4,400 sqft)
OwnerIndividual Name on File
Last Sale$48,000 (Sep 2017)
Tax Bill$5,045 (2026)
Deeds & MortgagesSep 2018 Line of Credit
Flood ZoneZone X (moderate risk)
APN422201 30.69-2-16

Property Details

APN / Parcel Number

Primary APN422201 30.69-2-16
Alternative APNs
  • 220103006900020160000000
  • A02417

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,368 sqft Living Area
1st Floor Area912 sqft
Upper Floors Area456 sqft

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area4,400 sqft (0.101 acres)
Lot Dimensions110 ft deep x 40 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account NumberA02417
Street Address106 CUTHBERT ST
CitySCHENECTADY
StateNY
Zip12302-2910
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRES
Legal DescriptionSCHDY OPERATING CO L100 HL
Legal SubdivisionSCOTIA HIGHLANDS TRACT
Legal Block2
Legal Lot Number16.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionGLENVILLE
Census Block Group2
Census Block2021
Census Tract32200

Owner

106 Cuthbert St is owned and occupied by an individual who bought it in September 2017.

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

Owner of RecordIndividual Name on File
Mailing Address106 CUTHBERT ST, SCHENECTADY, NY 12302-2910
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 8, 2017 · Amount on File
Deed SaleSep 8, 2017 · Amount on File
Prior SaleJul 22, 2014 · Amount on File
Deed Document Number201740786
Deed Book / Page1970 / 895
Prior Transfer DateJun 4, 2013
Prior Transfer Doc0000024542
Record UpdatedOct 29, 2026

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address106 CUTHBERT ST, SCHENECTADY, NY 12302-2910
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000040357
DateSep 10, 2018
Book Page4863/581
Instrument201840357
Lender
NameSUNMARK FCU
TypeCredit Union
AddressLATHAM, NY 12110
Agreement
TypeLine of Credit
AmountAmount on Record
Term240 Months
DueSep 25, 2038
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2026 property tax bill for 106 Cuthbert St was $5,045 with a homeowner's exemption, up 2.5% from the year before.

Source: Schenectady County and Glenville Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
County SubdivisionGlenville Town
MunicipalityScotia Village
Unified School DistrictScotia-Glenville Central School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,045.00 (+2.54%) Homeowner's exemption
2025$4,920.00$96,500 Land $16,000 Building $80,500$175,455 Land $29,091 Building $146,364
2023$96,500 Land $16,000 Building $80,500$141,912 Land $23,529 Building $118,383

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

Flood

FEMA maps place 106 Cuthbert St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 18 policies
Nearby Flood Policies18 in force
Nearby Flood Claims19 (2005–2014)
Claims Outside the SFHA4 of 19
Most Recent ClaimMar 2014 · rainfall accumulation

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

Wildfire risk around 106 Cuthbert St 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 RiskLow
lower than 96% of the US · lower than 95% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemSCOTIA VILLAGE WATER WORKS
serves 12,800 people · EPA ID NY4600071
Water SourceGroundwater
Last State InspectionSep 2025
Lead7 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead public education
Jan 2021
Monitoring and Reporting3
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 365 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fiber		980 / 880
T-Mobile
Fixed Wireless		100 / 20

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