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

Schenectady County and Glenville Town property record for 79 Cuthbert St, Scotia, NY 12302

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 780 sqft · built 1920
Lot Size0.274 acres (11,945 sqft)
OwnerIndividual Name on Record
Tax Bill$4,292 (2026)
Deeds & MortgagesJul 2021 Sale & Mortgage
Jan 2021 Sale
+ 3 more
Flood ZoneZone AE (high risk)
APN422201 30.69-2-2

Property Details

APN / Parcel Number

Primary APN422201 30.69-2-2
Alternative APNs
  • 220103006900020020000000
  • A02215

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area780 sqft Living Area
1st Floor Area520 sqft
Upper Floors Area260 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleBungalow
Exterior MaterialComposition/Composite
Lot Area11,945 sqft (0.274 acres)
Lot Dimensions331 ft deep x 36 ft wide
PorchPorch
Porch Area128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account NumberA02215
Street Address79 CUTHBERT ST
CitySCHENECTADY
StateNY
Zip12302-2930
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRES
Legal DescriptionSCHDY OPERATING CO. L PTS HLG
Legal SubdivisionMAP OF LANDS IN SCOTIA
Legal Block2
Legal Lot Number2.000
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 RecordIndividual Name on Record
Mailing Address79 CUTHBERT ST, SCHENECTADY, NY 12302-2930
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2021Warranty Deed, Transfer · FHA Mortgage
CCFCU FUNDING LLC
Jan 13, 2021Warranty Deed, Transfer
NOT AVAILABLE
Nov 25, 2020Warranty Deed, Transfer · Conventional with PMI
SEFCU
Oct 16, 2017Grant Deed, Transfer
CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN
Jun 12, 2017Trustee's Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 28, 2021
Deed SaleJul 28, 2021
Prior SaleJan 13, 2021 · Amount on Record
Deed Document Number202135926
Deed Book / Page2063 / 634
Prior Transfer DateApr 17, 2017
Prior Transfer Doc0000025993
Record UpdatedOct 29, 2026

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateJul 28, 2021
Property Address79 CUTHBERT ST, SCHENECTADY, NY 12302-2930
Document Number0000035926
Book / Page2063 / 634
Instrument DateJul 22, 2021
Instrument202135926
Transaction TypeTransfer
Record UpdatedFeb 27, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$540.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address79 CUTHBERT ST, SCOTIA, NY 12302-2930

Transferred To (Grantee/Buyer)

NameVerified Name
Address134 ASHDOWN RD, BALLSTON LAKE, NY 12019-2337

Mortgage

Document Number0000035927
DateJul 28, 2021
Instrument202135927
Lender
NameCCFCU FUNDING LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term181 Months
DueAug 1, 2036

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateJan 13, 2021
Property Address79 CUTHBERT ST, SCHENECTADY, NY 12302-2930
Document Number0000001612
Book / Page002049 / 000948
Instrument DateNov 18, 2020
Instrument1612
Transaction TypeTransfer
Record UpdatedFeb 1, 2021
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$440.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address79 CUTHBERT ST SCOTIA NY 123022930, SCOTIA, NY 12302-2930

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateNov 25, 2020
Property Address79 CUTHBERT ST, SCHENECTADY, NY 12302-2930
Document Number0000037222
Book / Page002046 / 000608
Instrument DateNov 2, 2020
Instrument37222
Transaction TypeTransfer
Record UpdatedDec 8, 2020
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$920.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address79 CUTHBERT ST SCOTIA NY 123022930, SCOTIA, NY 12302-2930

Mortgage

Document Number37226
DateNov 25, 2020
Book Page005044/000246
Instrument37226
Lender
NameSEFCU
TypeCredit Union
AddressALBANY, NY 12206
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueNov 24, 2050
Interest
Rate TypeAdjustable Rate
Rate3%

October 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSCHENECTADY NY
Recording DateOct 16, 2017
Property Address79 CUTHBERT ST, SCHENECTADY, NY 12302-2930
Document Number0000046732
Book / Page001973 / 000347
Instrument DateSep 28, 2017
Instrument46732
Transaction TypeTransfer
Record UpdatedOct 19, 2017
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

AmountAmount Recorded
Tax$148.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address107 DUBOIS LN REXFORD NY 121481207, REXFORD, NY 12148-1207

June 2017: Trustee's Deed, Transfer

Document TypeTrustee's Deed
JurisdictionSCHENECTADY NY
Recording DateJun 12, 2017
Property Address79 CUTHBERT ST, SCHENECTADY, NY 12302-2930
Document Number0000025993
Book / Page001964 / 000703
Instrument DateApr 7, 2017
Instrument25993
Transaction TypeTransfer
Record UpdatedJun 15, 2017

Transaction

AmountAmount Recorded
Tax$180.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5000 PLANO PKWY CARROLLTON TX 750104900, CARROLLTON, TX 75010-4900
InvestorPossibly a Property Investor

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$4,292.00 (+2.56%)
2025$4,185.00$82,100 (-) Land $16,700 Building $65,400$149,273 (+23.64%) Land $30,364 Building $118,909
2023$82,100 Land $16,700 Building $65,400$120,735 Land $24,559 Building $96,176

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 AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
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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