Schenectady County and Schenectady City property record for 1398 Cullen Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,600 sqft · built 1965 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Jul 2012) |
| Tax Bill | $7,454 (2026) |
| Deeds & Mortgages | Oct 2021 Transfer Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.22-2-8 |
| Primary APN | 421500 40.22-2-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 1,600 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,000 sqft (0.275 acres) |
| Lot Dimensions | 100 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 164 sqft |
| Patio Area | 168 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1398 CULLEN AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-3704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 466 465 464 1 WOOD |
| Legal Subdivision | ROSA ROAD GARDENS |
| Legal Block | 2 |
| Legal Lot Number | 8.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20101 |
1398 Cullen Ave is owned and occupied by two individuals who acquired it in August 2021.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1398 CULLEN AVE, SCHENECTADY, NY 12309-3704 |
| 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 |
|---|---|
| Oct 14, 2021 | Intrafamily Transfer, Transfer |
| Jul 15, 2021 | Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Feb 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SEFCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2012 · Amount on File |
| Deed Sale | Jul 10, 2012 · Amount on File |
| Prior Sale | Jul 7, 2008 · Amount on File |
| Deed Document Number | 201228800 |
| Deed Book / Page | 1858 / 383 |
| Last Transfer Date | Aug 2, 2021 |
| Transfer Doc | 0000051239 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 14, 2021 |
| Property Address | 1398 CULLEN AVE, SCHENECTADY, NY 12309-3704 |
| Document Number | 0000051239 |
| Book / Page | 2069 / 328 |
| Instrument Date | Aug 2, 2021 |
| Instrument | 202151239 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1398 CULLEN AVE, SCHENECTADY, NY 12309-3704 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 15, 2021 |
| Property Address | 1398 CULLEN AVE, SCHENECTADY, NY 12309-3704 |
| Document Number | 0000033369 |
| Book / Page | 2062 / 802 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 202133369 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1398 CULLEN AVE, 1398, SCHENECTADY, NY 12309-3704 |
| Name | Verified Name |
|---|---|
| Address | 8702 58TH AVE, ELMHURST, NY 11373-4821 |
| Document Number | 0000033371 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 202133371 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 30, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1398 CULLEN AVE, SCHENECTADY, NY 12309-3704 |
| Document Number | 0000010116 |
| Instrument Date | Feb 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1398 CULLEN AVE SCHENECTADY NY 123093704, SCHENECTADY, NY 12309-3704 |
| Document Number | 0000010116 |
|---|---|
| Date | Mar 6, 2017 |
| Book Page | 004746/000826 |
| Instrument | 10116 |
| Name | SEFCU |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Mar 5, 2022 |
The 2026 property tax bill for 1398 Cullen Ave was $7,454, up 1.8% 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 | $7,454.00 (+1.77%) | ||
| 2025 | $7,324.00 | $153,300 Land $23,000 Building $130,300 | $253,850 Land $38,086 Building $215,764 |
| 2023 | $153,300 (-) Land $23,000 Building $130,300 | $194,051 (+3.8%) Land $29,114 Building $164,937 | |
| 2022 | $153,300 Land $23,000 Building $130,300 | $186,951 Land $28,049 Building $158,902 | |
| 2021 | $6,444.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1398 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1993–1996) |
| Most Recent Claim | Jan 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 risk around 1398 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.
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 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 |
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