Schenectady County and Glenville Town property record for 11 Cuthbert St, Scotia, NY 12302
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,285 sqft · built 1920 |
| Lot Size | 0.137 acres (5,968 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $211,500 (Aug 2024) |
| Tax Bill | $5,045 (2026) |
| Deeds & Mortgages | May 2020 Loan Modification Mar 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 422201 29.76-2-8 |
| Primary APN | 422201 29.76-2-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,285 sqft Living Area |
| 1st Floor Area | 802 sqft |
| Upper Floors Area | 483 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Lot Area | 5,968 sqft (0.137 acres) |
| Lot Dimensions | 154 ft deep x 38.7 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 129 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | A02108 |
|---|---|
| Street Address | 11 CUTHBERT ST |
| City | SCHENECTADY |
| State | NY |
| Zip | 12302-2907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | HLG |
| Legal Subdivision | HARWELL |
| Legal Block | 2 |
| Legal Lot Number | 8.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | GLENVILLE |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 32200 |
11 Cuthbert St is owned by two individuals who bought it in August 2024.
Source: Schenectady County and Glenville Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1403 N WESTCOTT RD, SCHENECTADY, NY 12306-2020 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| May 21, 2020 | Loan Modification, Mortgage · FHA Mortgage WELLS FARGO BK |
| Mar 6, 2018 | Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2024 · Amount on File |
| Deed Sale | Aug 29, 2024 · Amount on File |
| Prior Sale | Jun 13, 2012 · Amount on File |
| Deed Document Number | 202451303 |
| Deed Book / Page | 2136 / 690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 11 CUTHBERT ST, SCHENECTADY, NY 12302-2907 |
| Document Number | 0000022177 |
| Instrument Date | May 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 11 CUTHBERT ST SCOTIA NY 123022907, SCOTIA, NY 12302-2907 |
| Document Number | 0000022177 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 005008/000970 |
| Instrument | 22177 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 2, 2050 |
| Rate | 3.37% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 11 CUTHBERT ST, SCHENECTADY, NY 12302-2907 |
| Document Number | 0000013721 |
| Instrument Date | Mar 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 11 CUTHBERT ST SCOTIA NY 123022907, SCOTIA, NY 12302-2907 |
| Document Number | 0000013721 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 004828/000686 |
| Instrument | 13721 |
| Name | WELLS FARGO BK |
|---|---|
| Address | FORT MILL, SC 29715 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
| Rate | 4% |
|---|
The 2026 property tax bill for 11 Cuthbert St was $5,045, up 2.5% from the year before.
Source: Schenectady County and Glenville Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Glenville Town |
| Municipality | Scotia Village |
| Unified School District | Scotia-Glenville Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,045.00 (+2.54%) | ||
| 2025 | $4,920.00 | $96,500 Land $18,100 Building $78,400 | $175,455 Land $32,909 Building $142,546 |
| 2023 | $96,500 Land $18,100 Building $78,400 | $141,912 Land $26,618 Building $115,294 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 11 Cuthbert St in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 2005.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 19 (2005–2014) |
| Claims Outside the SFHA | 4 of 19 |
| Most Recent Claim | Mar 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.
The area around 11 Cuthbert 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 | SCOTIA VILLAGE WATER WORKS serves 12,800 people · EPA ID NY4600071 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 7 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead public education Jan 2021 |
| Monitoring and Reporting | 3 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 364 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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