Schenectady County and Schenectady City property record for 1121 Cutler St, Schenectady, NY 12303
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,496 sqft · built 1900 |
| Lot Size | 0.109 acres (4,785 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Aug 2024) |
| Tax Bill | $4,858 (2026) |
| Deeds & Mortgages | Aug 2024 Mortgage Aug 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.62-3-23 |
| Primary APN | 421500 49.62-3-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,496 sqft Total Area |
| 1st Floor Area | 748 sqft |
| 2nd Floor Area | 748 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Concrete |
| Lot Area | 4,785 sqft (0.109 acres) |
| Lot Dimensions | 145 ft deep x 33 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 500 sqft |
| Patio Area | 750 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1121 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 CONC AND GARAGE |
| Legal Block | 3 |
| Legal Lot Number | 23.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 21500 |
1121 Cutler St, a duplex, is owned and occupied by an individual who bought it in August 2024.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1121 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.
| Date | Document |
|---|---|
| Aug 14, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) HOMESTEAD FUNDING CORP |
| Aug 14, 2024 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2024 · Amount on File |
| Deed Sale | Aug 14, 2024 · Amount on File |
| Prior Sale | May 17, 2002 · Amount on File |
| Deed Document Number | 202448048 |
| Deed Book / Page | 2135 / 542 |
| Prior Transfer Date | Aug 15, 1996 |
| Prior Transfer Doc | 1503000752 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1121 CUTLER ST, SCHENECTADY, NY 12303-2003 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | CATIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 1121 CUTLER ST, SCHENECTADY, NY 12303-2003 |
| Document Number | 0000048050 |
|---|---|
| Date | Aug 14, 2024 |
| Book Page | 5389/233 |
| Instrument | 202448050 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 14, 2024 |
| Property Address | 1121 CUTLER ST, SCHENECTADY, NY 12303-2003 |
| Document Number | 0000048048 |
| Book / Page | 2135 / 542 |
| Instrument Date | Jul 19, 2024 |
| Instrument | 202448048 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | CATIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1117 CUTLER ST, SCHENECTADY, NY 12303-2060 |
| Name | Verified Name |
|---|---|
| Address | 1121 CUTLER ST, SCHENECTADY, NY 12303-2003 |
| Document Number | 0000048049 |
|---|---|
| Date | Aug 14, 2024 |
| Instrument | 202448049 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2054 |
The 2026 property tax bill for 1121 Cutler St was $4,858, up 29.4% 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 | $4,858.00 (+29.44%) | ||
| 2025 | $3,753.00 | $60,100 Land $9,000 Building $51,100 | $99,520 Land $14,903 Building $84,617 |
| 2023 | $60,100 (-) Land $9,000 Building $51,100 | $76,076 (+3.8%) Land $11,392 Building $64,684 | |
| 2022 | $60,100 Land $9,000 Building $51,100 | $73,293 Land $10,976 Building $62,317 | |
| 2021 | $3,229.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1121 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 1121 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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