1130 Cullen Ave, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 1130 Cullen Ave, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,272 sqft · built 1969
Lot Size	0.198 acres (8,661 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,298 (2021)
Deeds & Mortgages	Sep 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`421500 40.21-2-24`

Property Details

APN / Parcel Number

Primary APN	`421500 40.21-2-24`
Alternative APN	`150004002100020240000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	936 sqft
Upper Floors Area	336 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,661 sqft (0.198 acres)
Lot Dimensions	99.1 ft deep x 87.4 ft wide

Exterior Amenities

Porch	Slab
Porch Area	356 sqft
Patio Area	494 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1130 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	1 WOOD
Legal Subdivision	LUCARELI PLOT
Legal Block	2
Legal Lot Number	24.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2014
Census Tract	20102

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1130 CULLEN AVE, SCHENECTADY, NY 12309-3604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 24, 2020
Transfer Doc	0000027209
Record Updated	Jun 8, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 11, 2020
Property Address	1130 CULLEN AVE, SCHENECTADY, NY 12309-3604
Document Number	0000027209
Book / Page	002041 / 000404
Instrument Date	Aug 24, 2020
Instrument	27209
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	801 BEECH DR NISKAYUNA NY 123093039, NISKAYUNA, NY 12309-3039

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$141,600 (-) Land $21,200 Building $120,400	$234,476 (+30.82%) Land $35,105 Building $199,371
2023		$141,600 (-) Land $21,200 Building $120,400	$179,241 (+3.8%) Land $26,836 Building $152,405
2022		$141,600 Land $21,200 Building $120,400	$172,683 Land $25,854 Building $146,829
2021	$5,298.00

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 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.

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	Direct burnable vegetation

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	SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070
Water Source	Groundwater
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

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