Schenectady County and Schenectady City property record for 1109 Cutler St, Schenectady, NY 12303
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,084 sqft · built 1920 |
| Lot Size | 0.109 acres (4,785 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,500 (Aug 2019) |
| Tax Bill | $4,764 (2026) |
| Deeds & Mortgages | Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.62-3-26 |
| Primary APN | 421500 49.62-3-26 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,084 sqft Total Area |
| 1st Floor Area | 1,042 sqft |
| 2nd Floor Area | 1,042 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,785 sqft (0.109 acres) |
| Lot Dimensions | 145 ft deep x 33 ft wide |
| Porch | Slab |
| Porch Area | 396 sqft |
| Patio Area | 360 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1109 CUTLER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-2003 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 3 |
| Legal Lot Number | 26.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 21500 |
1109 Cutler St, a duplex, is owned and occupied by two individuals who bought it in August 2019.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1109 CUTLER ST, SCHENECTADY, NY 12303-2003 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2019 · Amount on File |
| Deed Sale | Aug 19, 2019 · Amount on File |
| Prior Sale | Jan 7, 2005 |
| Deed Document Number | 201937079 |
| Deed Book / Page | 2018 / 45 |
| Prior Transfer Date | Feb 22, 2015 |
| Prior Transfer Doc | 0000011932 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 19, 2019 |
| Property Address | 1109 CUTLER ST, SCHENECTADY, NY 12303-2003 |
| Document Number | 0000037079 |
| Book / Page | 2018 / 045 |
| Instrument Date | Jul 15, 2019 |
| Instrument | 201937079 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $362.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1808 THE PLZ, 1808, SCHENECTADY, NY 12309-5616 |
| Name | Verified Name |
|---|---|
| Address | 1109 CUTLER ST, SCHENECTADY, NY 12303-2003 |
| Document Number | 0000037084 |
|---|---|
| Date | Aug 19, 2019 |
| Instrument | 201937084 |
| Name | HUNT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
The 2026 property tax bill for 1109 Cutler St was $4,764, up 4.1% 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 | $4,764.00 (+4.09%) | ||
| 2025 | $4,577.00 | $68,700 Land $10,300 Building $58,400 | $113,761 Land $17,056 Building $96,705 |
| 2023 | $68,700 (-) Land $10,300 Building $58,400 | $86,962 (+3.8%) Land $13,038 Building $73,924 | |
| 2022 | $68,700 Land $10,300 Building $58,400 | $83,780 Land $12,561 Building $71,219 | |
| 2021 | $4,189.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1109 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 1109 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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