35 Cuthbert St, Scotia (Schenectady), NY 12302 Property Records

Schenectady County and Glenville Town property record for 35 Cuthbert St, Scotia, NY 12302

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 714 sqft · built 1935
Lot Size	0.121 acres (5,291 sqft)
Owner	2 Individual Names on File
Last Sale	$137,500 (Oct 2020)
Tax Bill	$4,831 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422201 29.76-2-34`

Property Details

APN / Parcel Number

Primary APN	`422201 29.76-2-34`
Alternative APNs	`220102907600020340000000` `A02118`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	714 sqft Living Area
1st Floor Area	714 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	5,291 sqft (0.121 acres)
Lot Dimensions	136 ft deep x 38.7 ft wide
Garage Type	Detached
Garage Area	180 sqft
Porch	Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A02118
Street Address	35 CUTHBERT ST
City	SCHENECTADY
State	NY
Zip	12302-2929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	HLG
Legal Subdivision	HARWELL PLOT
Legal Block	2
Legal Lot Number	34.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	GLENVILLE
Census Block Group	2
Census Block	2014
Census Tract	32200

Owner

35 Cuthbert St is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	35 CUTHBERT ST, SCHENECTADY, NY 12302-2929
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on File
Deed Sale	Oct 16, 2020 · Amount on File
Prior Sale	Nov 7, 2011 · Amount on File
Deed Document Number	202032145
Deed Book / Page	2043 / 696
Prior Transfer Date	Aug 25, 2010
Prior Transfer Doc	0000038061
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 16, 2020
Property Address	35 CUTHBERT ST, SCHENECTADY, NY 12302-2929
Document Number	0000032145
Book / Page	2043 / 696
Instrument Date	Oct 9, 2020
Instrument	202032145
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 CUTHBERT ST, 35, SCHENECTADY, NY 12302-2929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 SAND CREEK RD # 2, 2, ALBANY, NY 12205-2438

Mortgage

Document Number	0000032146
Date	Oct 16, 2020
Instrument	202032146

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 35 Cuthbert St was $4,831, up 2.5% from the year before.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,831.00 (+2.55%)
2025	$4,711.00	$92,400 Land $18,100 Building $74,300	$168,000 Land $32,909 Building $135,091
2023		$92,400 Land $18,100 Building $74,300	$135,882 Land $26,618 Building $109,264

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

Flood

FEMA maps place 35 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.

Wildfire

The area around 35 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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