Schenectady County and Schenectady City property record for 1063 Cutler St, Schenectady, NY 12303
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,364 sqft · built 1900 |
| Lot Size | 0.109 acres (4,785 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (May 2023) |
| Tax Bill | $6,027 (2026) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Feb 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.62-2-39 |
| Primary APN | 421500 49.62-2-39 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,364 sqft Total Area |
| 1st Floor Area | 1,182 sqft |
| 2nd Floor Area | 1,182 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 | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 324 sqft |
| Patio Area | 252 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1063 CUTLER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-2001 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 STUCCO AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 39.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 21500 |
1063 Cutler St, a duplex, is owned and occupied by an individual who bought it in May 2023.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1063 CUTLER ST, SCHENECTADY, NY 12303-2001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2023 | Warranty Deed, Transfer · FHA Mortgage SUNMARK FCU |
| Feb 19, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2023 · Amount on File |
| Deed Sale | May 18, 2023 · Amount on File |
| Prior Sale | Sep 17, 2003 · Amount on File |
| Deed Document Number | 202327992 |
| Deed Book / Page | 2108 / 169 |
| Prior Transfer Date | Jan 29, 2020 |
| Prior Transfer Doc | 0000006953 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 18, 2023 |
| Property Address | 1063 CUTLER ST, SCHENECTADY, NY 12303-2001 |
| Document Number | 0000027992 |
| Book / Page | 2108 / 169 |
| Instrument Date | Apr 30, 2023 |
| Instrument | 202327992 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | VILLA TITLE AND CLOSING SERVICES LLC, RAVIN TTL & CLOSING SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 102 28 109TH STREET, RICHMOND HILL, NY 11418 |
| Name | Verified Name |
|---|---|
| Address | 82 DELAWARE AVE, ALBANY, NY 12202-1304 |
| Document Number | 0000027993 |
|---|---|
| Date | May 18, 2023 |
| Instrument | 202327993 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 19, 2020 |
| Property Address | 1063 CUTLER ST, SCHENECTADY, NY 12303-2001 |
| Document Number | 0000006953 |
| Book / Page | 002030 / 000761 |
| Instrument Date | Jan 29, 2020 |
| Instrument | 6953 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 101-28 1O9TH ST SOUTH RICHMOND HILL NY 11419, SOUTH RICHMOND HILL, NY 11419 |
The 2026 property tax bill for 1063 Cutler St was $6,027, up 4.3% 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 | $6,027.00 (+4.26%) | ||
| 2025 | $5,781.00 | $98,100 Land $14,700 Building $83,400 | $162,444 Land $24,342 Building $138,102 |
| 2023 | $98,100 (-) Land $14,700 Building $83,400 | $124,177 (+3.8%) Land $18,608 Building $105,569 | |
| 2022 | $98,100 Land $14,700 Building $83,400 | $119,634 Land $17,927 Building $101,707 | |
| 2021 | $5,380.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1063 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 1063 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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