Schenectady County and Schenectady City property record for 1096 Cutler St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,008 sqft · built 1900 |
| Lot Size | 0.109 acres (4,785 sqft) |
| Owner | Individual Name on File |
| Last Sale | $43,300 (Jun 2007) |
| Tax Bill | $3,411 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.62-1-21 |
| Primary APN | 421500 49.62-1-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Upper Floors Area | 288 sqft |
| Attic | Attic |
| Attic Area | 288 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Bungalow |
| 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 | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 324 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1096 CUTLER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-2002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 21.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 21500 |
1096 Cutler St is owned and occupied by an individual who bought it in June 2007.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1096 CUTLER ST, SCHENECTADY, NY 12303-2002 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2007 · Amount on File |
| Deed Sale | Jun 29, 2007 · Amount on File |
| Prior Sale | May 5, 2005 · Amount on File |
| Deed Book / Page | 1762 / 621 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 1096 Cutler St was $3,411 with a homeowner's exemption, up 6.4% 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 | $3,411.00 (+6.36%) Homeowner's exemption | ||
| 2025 | $3,207.00 | $62,000 Land $9,300 Building $52,700 | $102,666 Land $15,400 Building $87,266 |
| 2023 | $62,000 (-) Land $9,300 Building $52,700 | $78,481 (+3.8%) Land $11,772 Building $66,709 | |
| 2022 | $62,000 Land $9,300 Building $52,700 | $75,610 Land $11,341 Building $64,269 | |
| 2021 | $2,821.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1096 Cutler St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 1096 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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