902 Cutler St, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 902 Cutler St, Schenectady, NY 12303

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,840 sqft · built 1930
Lot Size	0.079 acres (3,480 sqft)
Owner	Individual Name on Record
Last Sale	$45,000 (Dec 2020)
Tax Bill	$4,984 (2026)
Deeds & Mortgages	Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`421500 49.54-1-2`

Property Details

APN / Parcel Number

Primary APN	`421500 49.54-1-2`
Alternative APN	`150004905400010020000000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,840 sqft Total Area
1st Floor Area	920 sqft
2nd Floor Area	920 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,480 sqft (0.079 acres)
Lot Dimensions	120 ft deep x 29 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	448 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	902 CUTLER ST
City	SCHENECTADY
State	NY
Zip	12303-2010
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	PT OF 3 AND 2 PALMER 2 WOOD AND GARAGE
Legal Subdivision	WALLACE G PALMER
Legal Block	1
Legal Lot Number	2.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3007
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	Individual Name on Record
Mailing Address	902 CUTLER ST, SCHENECTADY, NY 12303-2010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2020 · Amount on Record
Deed Sale	Dec 15, 2020 · Amount on Record
Prior Sale	Jul 8, 2015 · Amount on Record
Deed Document Number	202039797
Deed Book / Page	2047 / 953
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 15, 2020
Property Address	902 CUTLER ST, SCHENECTADY, NY 12303
Document Number	0000039797
Book / Page	002047 / 000953
Instrument Date	Nov 24, 2020
Instrument	39797
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$180.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9116 215TH ST QUEENS VILLAGE NY 114281226, QUEENS VILLAGE, NY 11428-1226

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	$4,984.00 (+3.9%)
2025	$4,797.00 (+9.42%)	$70,600 (-) Land $10,600 Building $60,000	$116,907 (+30.82%) Land $17,553 Building $99,354
2023		$70,600 (-) Land $10,600 Building $60,000	$89,367 (+3.8%) Land $13,418 Building $75,949
2022		$70,600 Land $10,600 Building $60,000	$86,098 Land $12,927 Building $73,171
2021	$4,384.00

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