916 Cutler St, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 916 Cutler St, Schenectady, NY 12303

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 2,568 sqft · built 1930
Lot Size	0.109 acres (4,785 sqft)
Owner	Individual Name on File
Last Sale	$46,000 (Nov 2022)
Tax Bill	$5,951 (2026)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.54-1-28`

Property Details

APN / Parcel Number

Primary APN	`421500 49.54-1-28`
Alternative APN	`150004905400010280000000`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Stories	3 Stories
Building Area	2,568 sqft Total Area
1st Floor Area	856 sqft
2nd Floor Area	856 sqft
Upper Floors Area	856 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,785 sqft (0.109 acres)
Lot Dimensions	145 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	348 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	916 CUTLER ST
City	SCHENECTADY
State	NY
Zip	12303-2010
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	03 - MULTI
Legal Description	3 WOOD AND GARAGE
Legal Block	1
Legal Lot Number	28.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3007
Census Tract	21400

Owner

916 Cutler St, a triplex, is owned by an individual who bought it in November 2022.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	916 CUTLER ST, 2, SCHENECTADY, NY 12303-2010
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2022 · Amount on File
Deed Sale	Nov 29, 2022 · Amount on File
Prior Sale	Dec 16, 2019 · Amount on File
Deed Document Number	202262336
Deed Book / Page	2097 / 769
Prior Transfer Date	Jun 19, 2014
Prior Transfer Doc	0000028535
Record Updated	Oct 29, 2026

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 16, 2019
Property Address	916 CUTLER ST, SCHENECTADY, NY 12303
Document Number	0000055502
Book / Page	2026 / 533
Map Reference	CAB B MAP 89
Instrument Date	Dec 10, 2019
Instrument	201955502
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	MARATHON TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 WHITE ST, 4, SCHENECTADY, NY 12308-3319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 CRANE ST, SCHENECTADY, NY 12303-1804

Mortgage

Document Number	0000055503
Date	Dec 16, 2019
Instrument	201955503

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 916 Cutler St was $5,951, up 7.2% from the year before.

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	$5,951.00 (+7.19%)
2025	$5,552.00	$70,300 Land $10,500 Building $59,800	$116,410 Land $17,387 Building $99,023
2023		$70,300 (-) Land $10,500 Building $59,800	$88,987 (+3.8%) Land $13,291 Building $75,696
2022		$70,300 Land $10,500 Building $59,800	$85,732 Land $12,805 Building $72,927
2021	$4,936.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 916 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

The area around 916 Cutler St has no burnable land within ember reach, so its wildfire risk is not rated.

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