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

Schenectady County and Glenville Town property record for 73 Cuthbert St, Scotia, NY 12302

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,846 sqft · built 1940
Lot Size0.208 acres (9,067 sqft)
Owner2 Individual Names on Record
Last Sale$184,000 (May 2020)
Tax Bill$6,174 (2026)
Deeds & MortgagesMay 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN422201 30.69-3-28

Property Details

APN / Parcel Number

Primary APN422201 30.69-3-28
Alternative APNs
  • 220103006900030280000000
  • A02213

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,846 sqft Living Area
1st Floor Area1,259 sqft
Upper Floors Area587 sqft

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Lot Area9,067 sqft (0.208 acres)
Lot Dimensions136 ft deep x 66.7 ft wide
Garage TypeDetached
Garage Area240 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account NumberA02213
Street Address73 CUTHBERT ST
CitySCHENECTADY
StateNY
Zip12302-2930
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRES
Legal DescriptionL.T.B. & L. SANDERS = 2 L H2LG
Legal Block3
Legal Lot Number28.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionGLENVILLE
Census Block Group2
Census Block2013
Census Tract32200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address73 CUTHBERT ST, SCHENECTADY, NY 12302-2930
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 1, 2020 · Amount on Record
Deed SaleMay 1, 2020 · Amount on Record
Deed Document Number202013071
Deed Book / Page2034 / 76
Record UpdatedOct 29, 2026

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateMay 1, 2020
Property Address73 CUTHBERT ST, SCHENECTADY, NY 12302-2930
Document Number0000013071
Book / Page002034 / 000076
Instrument DateApr 17, 2020
Instrument13071
Transaction TypeTransfer
Record UpdatedJun 19, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$736.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2191 ROSA RD SCHENECTADY NY 123093735, SCHENECTADY, NY 12309-3735

Mortgage

Document Number13072
DateMay 1, 2020
Book Page004985/000486
Instrument13072
Lender
NameHOMEOWNERS ADVANTAGE
AddressALBANY, NY 12205
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 30, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
County SubdivisionGlenville Town
MunicipalityScotia Village
Unified School DistrictScotia-Glenville Central School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,174.00 (+2.54%)
2025$6,021.00$118,100 (-) Land $16,400 Building $101,700$214,727 (+23.64%) Land $29,818 Building $184,909
2023$118,100 Land $16,400 Building $101,700$173,676 Land $24,118 Building $149,558

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

Flood

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
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Nearby Flood Policies18 in force
Nearby Flood Claims19 (2005–2014)
Claims Outside the SFHA4 of 19
Most Recent ClaimMar 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 95% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemSCOTIA VILLAGE WATER WORKS
serves 12,800 people · EPA ID NY4600071
Water SourceGroundwater
Last State InspectionSep 2025
Lead7 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead public education
Jan 2021
Monitoring and Reporting3
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

ProviderMax 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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