809 Cutler St, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 809 Cutler St, Schenectady, NY 12303

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,076 sqft · built 1921
Lot Size	0.161 acres (7,035 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,086 (2026)
Flood Zone	Zone X (minimal risk)
APN	`421500 49.46-4-23.1`

Property Details

APN / Parcel Number

Primary APN	`421500 49.46-4-23.1`
Alternative APN	`150004904600040230010000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,076 sqft Total Area
1st Floor Area	1,044 sqft
2nd Floor Area	1,032 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,035 sqft (0.161 acres)
Lot Dimensions	105 ft deep x 67 ft wide
Porch	Slab
Porch Area	492 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	809 CUTLER ST
City	SCHENECTADY
State	NY
Zip	12303-2007
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	59 P/O 2 WOOD
Legal Block	4
Legal Lot Number	23.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3005
Census Tract	21400

Owner

Source: Schenectady County and Schenectady City 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 Record	2 Individual Names on Record
Mailing Address	809 CUTLER ST, SCHENECTADY, NY 12303-2007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,086.00 (+5.04%) Homeowner's exemption
2025	$4,842.00 (+12.4%)	$86,700 (-) Land $13,000 Building $73,700	$143,567 (+30.82%) Land $21,527 Building $122,040
2023		$86,700 (-) Land $13,000 Building $73,700	$109,747 (+3.8%) Land $16,456 Building $93,291
2022		$86,700 Land $13,000 Building $73,700	$105,732 Land $15,854 Building $89,878
2021	$4,308.00

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

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

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	SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070
Water Source	Groundwater
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

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