1197 Cullen Ave, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 1197 Cullen Ave, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,170 sqft · built 1968
Lot Size	0.16 acres (7,000 sqft)
Owner	2 Trust Names on File
Last Sale	$115,000 (Jun 2012)
Tax Bill	$6,403 (2026)
Deeds & Mortgages	Apr 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`421500 40.21-2-18`

Property Details

APN / Parcel Number

Primary APN	`421500 40.21-2-18`
Alternative APN	`150004002100020180000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	988 sqft
Upper Floors Area	182 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,000 sqft (0.16 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	380 sqft
Patio Area	195 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	1197 CULLEN AVE
City	SCHENECTADY
State	NY
Zip	12309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	420 PT OF 422 1 WOOD
Legal Block	2
Legal Lot Number	18.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2013
Census Tract	20102

Owner

1197 Cullen Ave is owner-occupied and held in a trust since November 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	1197 CULLEN AVE, SCHENECTADY, NY 12309
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2012 · Amount on File
Deed Sale	Jun 6, 2012 · Amount on File
Deed Document Number	201223878
Deed Book / Page	1856 / 854
Last Transfer Date	Nov 19, 2021
Transfer Doc	0000016842
Record Updated	Oct 29, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 4, 2022
Property Address	1197 CULLEN AVE, SCHENECTADY, NY 12309
Document Number	0000016842
Book / Page	2081 / 862
Map Reference	DR 64 MAP 39
Instrument Date	Nov 19, 2021
Instrument	202216842
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 TAURUS RD, SCHENECTADY, NY 12304-2433

Tax Assessment & Valuation

The 2026 property tax bill for 1197 Cullen Ave was $6,403 with exemptions applied, up 4.5% from the year before.

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
2026	$6,403.00 (+4.54%) Homeowner's exemption Senior Citizen's exemption
2025	$6,125.00	$157,500 Land $23,600 Building $133,900	$260,805 Land $39,079 Building $221,726
2023		$157,500 (-) Land $23,600 Building $133,900	$199,367 (+3.8%) Land $29,873 Building $169,494
2022		$157,500 Land $23,600 Building $133,900	$192,073 Land $28,780 Building $163,293
2021	$5,746.00

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

Flood

FEMA maps place 1197 Cullen Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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

Wildfire risk around 1197 Cullen Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	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	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 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20