Schenectady County and Schenectady City property record for 913 Cutler St, Schenectady, NY 12303
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,800 sqft · built 1922 |
| Lot Size | 0.109 acres (4,785 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (Apr 2021) |
| Tax Bill | $4,871 (2026) |
| Deeds & Mortgages | Apr 2021 Sale & Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.54-1-25 |
| Primary APN | 421500 49.54-1-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,800 sqft Total Area |
| 1st Floor Area | 900 sqft |
| 2nd Floor Area | 900 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,785 sqft (0.109 acres) |
| Lot Dimensions | 145 ft deep x 33 ft wide |
| Porch | Slab |
| Porch Area | 408 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 913 CUTLER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-2009 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Subdivision | A G DAVIS |
| Legal Block | 1 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21400 |
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 | 913 CUTLER ST, SCHENECTADY, NY 12303-2009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2021 · Amount on Record |
| Deed Sale | Apr 1, 2021 · Amount on Record |
| Prior Sale | Mar 20, 2020 · Amount on Record |
| Deed Document Number | 202114462 |
| Deed Book / Page | 2055 / 615 |
| Prior Transfer Date | Mar 5, 2020 |
| Prior Transfer Doc | 0000011328 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 1, 2021 |
| Property Address | 913 CUTLER ST, SCHENECTADY, NY 12303-2009 |
| Document Number | 0000014462 |
| Book / Page | 2055 / 615 |
| Instrument Date | Mar 10, 2021 |
| Instrument | 202114462 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9215 178TH PL, JAMAICA, NY 11433-1419 |
| Name | Verified Name |
|---|---|
| Address | 116-11143 STREET, 11143, JAMAICA, NY 11418 |
| Document Number | 0000014465 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 202114465 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 2208 Months |
| Due | Apr 1, 2205 |
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 | $4,871.00 (+3.99%) | ||
| 2025 | $4,684.00 (+9.08%) | $71,300 (-) Land $10,700 Building $60,600 | $118,066 (+30.82%) Land $17,718 Building $100,348 |
| 2023 | $71,300 (-) Land $10,700 Building $60,600 | $90,253 (+3.8%) Land $13,544 Building $76,709 | |
| 2022 | $71,300 Land $10,700 Building $60,600 | $86,951 Land $13,049 Building $73,902 | |
| 2021 | $4,294.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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