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1305 Cullen Ave, Schenectady, NY 12309 Property Records

Schenectady County and Schenectady City property record for 1305 Cullen Ave, Schenectady, NY 12309

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 2,717 sqft · built 1965
Lot Size0.275 acres (12,000 sqft)
OwnerIndividual Name on File
Last Sale$188,000 (Oct 2019)
Tax Bill$7,952 (2026)
Deeds & MortgagesDec 2020 Mortgage
Oct 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN421500 40.22-1-34

Property Details

APN / Parcel Number

Primary APN421500 40.22-1-34
Alternative APN
  • 150004002200010340000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area2,717 sqft Living Area
1st Floor Area1,378 sqft
Upper Floors Area325 sqft
Basement Area1,014 sqft
Finished Basement1,014 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1965
Architectural StyleSplit Level
Exterior MaterialBrick
Lot Area12,000 sqft (0.275 acres)
Lot Dimensions100 ft deep x 120 ft wide
Garage TypeAttached
Garage Area312 sqft
Parking Spaces1 Parking Space
PorchPatio
Porch Area168 sqft
Patio Area20 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1305 CULLEN AVE
CitySCHENECTADY
StateNY
Zip12309-3703
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal Description403 404 405 1 BRICK
Legal SubdivisionPLAN OF ROSA ROAD GARDENS
Legal Block1
Legal Lot Number34.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1000
Census Tract20101

Owner

1305 Cullen Ave is owned and occupied by an individual who bought it in October 2019.

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

Owner of RecordIndividual Name on File
Mailing Address1305 CULLEN AVE, SCHENECTADY, NY 12309-3703
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Dec 1, 2020Deed of Trust, Mortgage · FHA Mortgage
WELLS FARGO BANK NA
Oct 1, 2019Warranty Deed, Transfer · FHA Mortgage
HOMESTEAD FUNDING CORP
Sep 11, 2019Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 1, 2019 · Amount on File
Deed SaleOct 1, 2019 · Amount on File
Prior SaleJul 2, 2008 · Amount on File
Deed Document Number201944039
Deed Book / Page2021 / 76
Record UpdatedOct 29, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address1305 CULLEN AVE, SCHENECTADY, NY 12309-3703
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address1305 CULLEN AYE, SCHENECTADY, NY 12309

Mortgage

Document Number0000037767
DateDec 1, 2020
Book Page5045/279
Instrument202037767
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term345 Months
DueSep 1, 2049

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateOct 1, 2019
Property Address1305 CULLEN AVE, SCHENECTADY, NY 12309-3703
Document Number0000044039
Book / Page2021 / 076
Map ReferenceMAP 39
Instrument DateAug 20, 2019
Instrument201944039
Transaction TypeTransfer
Record UpdatedMay 10, 2022
Title CompanyNEWYORK ABSTRACT LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$752.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1305 CULLEN AVE, 1305, SCHENECTADY, NY 12309-3703

Transferred To (Grantee/Buyer)

NameVerified Name
Address1305 CULLEN AVE, SCHENECTADY, NY 12309-3703

Mortgage

Document Number0000044040
DateOct 1, 2019
Instrument201944040
Lender
NameHOMESTEAD FUNDING CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term359 Months
DueSep 1, 2049

September 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSCHENECTADY NY
Recording DateSep 11, 2019
Property Address1305 CULLEN AVE, SCHENECTADY, NY 12309-3703
Document Number0000040656
Book / Page002019 / 000629
Instrument DateAug 18, 2019
Instrument40656
Transaction TypeTransfer
Record UpdatedJan 10, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$944.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1305 CULLEN AVE SCHENECTADY NY 123093703, SCHENECTADY, NY 12309-3703

Tax Assessment & Valuation

The 2026 property tax bill for 1305 Cullen Ave was $7,952, up 1.7% from the year before.

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

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$7,952.00 (+1.7%)
2025$7,819.00$160,800 Land $24,100 Building $136,700$266,269 Land $39,907 Building $226,362
2023$160,800 (-) Land $24,100 Building $136,700$203,544 (+3.8%) Land $30,506 Building $173,038
2022$160,800 Land $24,100 Building $136,700$196,098 Land $29,390 Building $166,708
2021$7,516.00

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

Flood

FEMA maps place 1305 Cullen Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1993–1996)
Most Recent ClaimJan 1996 · river or lake flooding

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 1305 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 RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

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