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

Schenectady County and Glenville Town property record for 110 Cuthbert St, Scotia, NY 12302

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 640 sqft · built 1925
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Apr 2022)
Tax Bill	$4,193 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`422201 30.69-2-18`

Property Details

APN / Parcel Number

Primary APN	`422201 30.69-2-18`
Alternative APNs	`220103006900020180000000` `A02419`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	640 sqft Living Area
1st Floor Area	640 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	4,400 sqft (0.101 acres)
Lot Dimensions	110 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	A02419
Street Address	110 CUTHBERT ST
City	SCHENECTADY
State	NY
Zip	12302-2910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	SCHDY OPERATING CO. L98 HLG
Legal Block	2
Legal Lot Number	18.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	GLENVILLE
Census Block Group	2
Census Block	2021
Census Tract	32200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	110 CUTHBERT ST, SCHENECTADY, NY 12302-2910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	Jan 29, 2004 · Amount on Record
Deed Document Number	202216794
Deed Book / Page	2081 / 829
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 1, 2022
Property Address	110 CUTHBERT ST, SCHENECTADY, NY 12302-2910
Document Number	0000016794
Book / Page	2081 / 829
Instrument Date	Mar 3, 2022
Instrument	202216794
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 CUTHBERT ST, 110, SCOTIA, NY 12302-2910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 MARILYN DR, SCHENECTADY, NY 12302-3806

Mortgage

Document Number	0000016796
Date	Apr 1, 2022
Instrument	202216796

Lender

Name	EDWARD NAUMOWICZ ETUX
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 3, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,193.00 (+2.54%)
2025	$4,089.00	$80,200 (-) Land $16,000 Building $64,200	$145,818 (+23.64%) Land $29,091 Building $116,727
2023		$80,200 Land $16,000 Building $64,200	$117,941 Land $23,529 Building $94,412

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

Flood

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 365 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	980 / 880
T-Mobile Fixed Wireless	100 / 20