Schenectady County and Glenville Town property record for 21 Cuthbert St, Scotia, NY 12302
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,764 sqft · built 1925 |
| Lot Size | 0.119 acres (5,219 sqft) |
| Owner | Individual Name on File |
| Last Sale | $106,000 (Mar 2019) |
| Tax Bill | $7,330 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Jan 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422201 29.76-2-18 |
| Primary APN | 422201 29.76-2-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,764 sqft Living Area |
| 1st Floor Area | 1,188 sqft |
| Upper Floors Area | 576 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,219 sqft (0.119 acres) |
| Lot Dimensions | 135 ft deep x 38.7 ft wide |
| Porch | Slab |
| Porch Area | 406 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | A02111 |
|---|---|
| Street Address | 21 CUTHBERT ST |
| City | SCHENECTADY |
| State | NY |
| Zip | 12302-2928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | HL |
| Legal Block | 2 |
| Legal Lot Number | 18.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | GLENVILLE |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 32200 |
21 Cuthbert St is owned and occupied by an individual who bought it in March 2019.
Source: Schenectady County and Glenville Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 CUTHBERT ST, SCHENECTADY, NY 12302-2928 |
| 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 28, 2025 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| Jan 4, 2024 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| Mar 8, 2019 | Bargain and Sale Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 8, 2019 · Amount on File |
| Deed Sale | Mar 8, 2019 · Amount on File |
| Prior Sale | Dec 4, 2007 · Amount on File |
| Deed Document Number | 201910248 |
| Deed Book / Page | 2007 / 46 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 21 CUTHBERT ST, SCHENECTADY, NY 12302-2928 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 21 CUTHBERT ST, SCOTIA, NY 12302-2928 |
| Document Number | 0000025505 |
|---|---|
| Date | Oct 28, 2025 |
| Instrument | 202525505 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 16, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 21 CUTHBERT ST, SCHENECTADY, NY 12302-2928 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 21 CUTHBERT ST, SCOTIA, NY 12302-2928 |
| Document Number | 0000000872 |
|---|---|
| Date | Jan 4, 2024 |
| Book Page | 5349/850 |
| Instrument | 202400872 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Dec 11, 2033 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 8, 2019 |
| Property Address | 21 CUTHBERT ST, SCHENECTADY, NY 12302-2928 |
| Document Number | 0000010248 |
| Book / Page | 2007 / 046 |
| Instrument Date | Mar 6, 2019 |
| Instrument | 201910248 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $424.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21 CUTHBERT ST, 21, SCHENECTADY, NY 12302-2928 |
| Name | Verified Name |
|---|---|
| Address | 52 VIRGINIA AVE, ALBANY, NY 12205-4553 |
| Document Number | 0000010250 |
|---|---|
| Date | Mar 8, 2019 |
| Instrument | 201910250 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
The 2026 property tax bill for 21 Cuthbert St was $7,330, up 2.6% from the year before.
Source: Schenectady County and Glenville Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Glenville Town |
| Municipality | Scotia Village |
| Unified School District | Scotia-Glenville Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,330.00 (+2.56%) | ||
| 2025 | $7,147.00 | $140,200 Land $18,100 Building $122,100 | $254,909 Land $32,909 Building $222,000 |
| 2023 | $140,200 Land $18,100 Building $122,100 | $206,176 Land $26,618 Building $179,558 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Cuthbert 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 19 (2005–2014) |
| Claims Outside the SFHA | 4 of 19 |
| Most Recent Claim | Mar 2014 · 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.
The area around 21 Cuthbert 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 | SCOTIA VILLAGE WATER WORKS serves 12,800 people · EPA ID NY4600071 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 7 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead public education Jan 2021 |
| Monitoring and Reporting | 3 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 365 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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