Schenectady County and Glenville Town property record for 45 Cuthbert St, Scotia, NY 12302
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,106 sqft · built 1920 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $5,751 (2026) |
| Deeds & Mortgages | Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 422201 30.69-3-18 |
| Primary APN | 422201 30.69-3-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,106 sqft Living Area |
| 1st Floor Area | 746 sqft |
| Upper Floors Area | 360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Lot Area | 5,500 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 121 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | A02203 |
|---|---|
| Street Address | 45 CUTHBERT ST |
| City | SCHENECTADY |
| State | NY |
| Zip | 12302-2930 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | ALEXANDER JOHANSSEN 2HLG |
| Legal Block | 3 |
| Legal Lot Number | 18.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | GLENVILLE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 32200 |
Source: Schenectady County and Glenville Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 45 CUTHBERT ST, SCHENECTADY, NY 12302-2930 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 9, 2005 |
| Transfer Doc | 1701000188 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 45 CUTHBERT ST, SCOTIA, NY 12302-2930 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005843 |
|---|---|
| Date | Feb 6, 2017 |
| Book Page | 4740/918 |
| Instrument | 201705843 |
| Name | FIRST NATIONAL BANK OF SCOTIA |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 30, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $5,751.00 (+2.55%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $5,608.00 | $110,000 (-) Land $23,100 Building $86,900 | $200,000 (+23.64%) Land $42,000 Building $158,000 |
| 2023 | $110,000 Land $23,100 Building $86,900 | $161,765 Land $33,971 Building $127,794 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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