Schenectady County and Schenectady City property record for 1120 Cullen Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,924 sqft · built 1967 |
| Lot Size | 0.227 acres (9,911 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $154,625 (Mar 2020) |
| Tax Bill | $8,412 (2026) |
| Deeds & Mortgages | Mar 2020 Sale & Mortgage Jul 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.21-2-25 |
| Primary APN | 421500 40.21-2-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,924 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 676 sqft |
| Finished Basement | 676 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,911 sqft (0.227 acres) |
| Lot Dimensions | 99.1 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1120 CULLEN AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-3604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 2 WOOD |
| Legal Subdivision | MAP OF LUCARRELLI PLOT |
| Legal Block | 2 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 20102 |
Source: Schenectady County and Schenectady City 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 | 1120 CULLEN AVE, SCHENECTADY, NY 12309-3604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2020 | Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Jul 1, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2020 · Amount on Record |
| Deed Sale | Mar 4, 2020 · Amount on Record |
| Deed Document Number | 20209029 |
| Deed Book / Page | 2031 / 789 |
| Prior Transfer Date | Jul 1, 2019 |
| Prior Transfer Doc | 0000029746 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 4, 2020 |
| Property Address | 1120 CULLEN AVE, SCHENECTADY, NY 12309-3604 |
| Document Number | 0000009029 |
| Book / Page | 2031 / 789 |
| Instrument Date | Feb 14, 2020 |
| Instrument | 202009029 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $620.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000009030 |
|---|---|
| Date | Mar 4, 2020 |
| Book Page | 4976/410 |
| Instrument | 202009030 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 1, 2019 |
| Property Address | 1120 CULLEN AVE, SCHENECTADY, NY 12309-3604 |
| Document Number | 0000029746 |
| Book / Page | 002014 / 000182 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 29746 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1120 CULLEN AVE SCHENECTADY NY 123093604, SCHENECTADY, NY 12309-3604 |
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 | $8,412.00 (+1.64%) | ||
| 2025 | $8,276.00 (+3.77%) | $173,100 (-) Land $26,000 Building $147,100 | $286,637 (+30.82%) Land $43,054 Building $243,583 |
| 2023 | $173,100 (-) Land $26,000 Building $147,100 | $219,114 (+3.8%) Land $32,911 Building $186,203 | |
| 2022 | $173,100 Land $26,000 Building $147,100 | $211,098 Land $31,707 Building $179,391 | |
| 2021 | $7,975.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2008–2026) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2026 · 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.
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 | Direct burnable vegetation |
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 287 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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