Schenectady County and Schenectady City property record for 733 Cutler St, Schenectady, NY 12303
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,518 sqft · built 1900 |
| Lot Size | 0.134 acres (5,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Jun 2020) |
| Tax Bill | $5,776 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage Jun 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.45-3-49 |
| Primary APN | 421500 49.45-3-49 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,518 sqft Total Area |
| 1st Floor Area | 759 sqft |
| 2nd Floor Area | 759 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,840 sqft (0.134 acres) |
| Lot Dimensions | 146 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 376 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 733 CUTLER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-1611 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 3 |
| Legal Lot Number | 49.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21400 |
733 Cutler St, a duplex, is owned and occupied by an individual who bought it in June 2020.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 733 CUTLER ST, SCHENECTADY, NY 12303-1611 |
| 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 |
|---|---|
| Nov 23, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 30, 2020 | Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Apr 9, 2018 | Warranty Deed, Transfer CHICAGO TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2020 · Amount on File |
| Deed Sale | Jun 30, 2020 · Amount on File |
| Prior Sale | Apr 9, 2018 · Amount on File |
| Deed Document Number | 202018829 |
| Deed Book / Page | 2037 / 285 |
| Prior Transfer Date | Mar 30, 2015 |
| Prior Transfer Doc | 1913000210 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 733 CUTLER ST, SCHENECTADY, NY 12303-1611 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 733 CUTLER ST, SCHENECTADY, NY 12303-1611 |
| Document Number | 0000061696 |
|---|---|
| Date | Nov 23, 2022 |
| Book Page | 5272/945 |
| Instrument | 202261696 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 332 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 30, 2020 |
| Property Address | 733 CUTLER ST, SCHENECTADY, NY 12303-1611 |
| Document Number | 0000018829 |
| Book / Page | 2037 / 285 |
| Instrument Date | Jun 18, 2020 |
| Instrument | 202018829 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 210 DIVISION ST, 210, SCHENECTADY, NY 12304-1108 |
| Name | Verified Name |
|---|---|
| Address | 646 LANSING ST, SCHENECTADY, NY 12303-1126 |
| Document Number | 0000018831 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 202018831 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 9, 2018 |
| Property Address | 733 CUTLER ST, SCHENECTADY, NY 12303-1611 |
| Document Number | 0000014886 |
| Book / Page | 001984 / 000591 |
| Instrument Date | Apr 4, 2018 |
| Instrument | 14886 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $192.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 101 123RD ST SOUTH RICHMOND HILL NY 11419, SOUTH RICHMOND HILL, NY 11419 |
The 2026 property tax bill for 733 Cutler St was $5,776, up 3.5% 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 | $5,776.00 (+3.46%) | ||
| 2025 | $5,583.00 | $92,100 Land $13,800 Building $78,300 | $152,509 Land $22,852 Building $129,657 |
| 2023 | $92,100 (-) Land $13,800 Building $78,300 | $116,582 (+3.8%) Land $17,468 Building $99,114 | |
| 2022 | $92,100 Land $13,800 Building $78,300 | $112,317 Land $16,829 Building $95,488 | |
| 2021 | $5,177.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 733 Cutler St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 733 Cutler St is low, with less than 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 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 729 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 · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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