Schenectady County and Glenville Town property record for 93 Cuthbert St, Scotia, NY 12302
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 540 sqft · built 1925 |
| Lot Size | 0.099 acres (4,320 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $34,000 (Oct 2000) |
| Tax Bill | $4,052 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit May 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 422201 30.69-2-12 |
| Primary APN | 422201 30.69-2-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 540 sqft Living Area |
| 1st Floor Area | 540 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,320 sqft (0.099 acres) |
| Lot Dimensions | 120 ft deep x 36 ft wide |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 60 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | A02302 |
|---|---|
| Street Address | 93 CUTHBERT ST |
| City | SCHENECTADY |
| State | NY |
| Zip | 12302-2930 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | SCHDY OPERATING CO L PT 1 HLG |
| Legal Subdivision | LANDS IN SCOTIA |
| Legal Block | 2 |
| Legal Lot Number | 12.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | GLENVILLE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 32200 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 93 CUTHBERT ST, SCHENECTADY, NY 12302-2930 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| May 19, 2022 | Deed, Transfer · FHA Mortgage SUNMARK FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2000 · Amount on Record |
| Deed Sale | Oct 23, 2000 · Amount on Record |
| Prior Sale | Dec 31, 1997 · Amount on Record |
| Deed Book / Page | 1588 / 540 |
| Last Transfer Date | Nov 19, 2009 |
| Transfer Doc | 0000049389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 28, 2026 |
| Property Address | 93 CUTHBERT ST, SCHENECTADY, NY 12302-2930 |
| Document Number | 0000019211 |
| Instrument Date | Aug 17, 2026 |
| Instrument | 202619211 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 93 CUTHBERT ST, SCHENECTADY, NY 12302-2930 |
| Document Number | 0000019211, |
|---|---|
| Date | Aug 28, 2026 |
| Instrument | 202619211 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 25, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 19, 2022 |
| Property Address | 93 CUTHBERT ST, SCHENECTADY, NY 12302-2930 |
| Document Number | 0000026780 |
| Book / Page | 2085 / 25 |
| Map Reference | CAB E-352 |
| Instrument Date | May 5, 2022 |
| Instrument | 202226780 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 93 CUTHBERT ST, 93, SCOTIA, NY 12302-2930 |
| Name | Verified Name |
|---|---|
| Address | 325 DUANESBURG RD APT 8, 8, SCHENECTADY, NY 12306-1915 |
| Document Number | 0000026781 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 202226781 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
Source: Schenectady County and Glenville Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Glenville Town |
| Municipality | Scotia Village |
| Unified School District | Scotia-Glenville Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,052.00 (+2.56%) | ||
| 2025 | $3,951.00 | $77,500 (-) Land $15,900 Building $61,600 | $140,909 (+23.64%) Land $28,909 Building $112,000 |
| 2023 | $77,500 Land $15,900 Building $61,600 | $113,971 Land $23,382 Building $90,589 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 19 (2005–2014) |
| Claims Outside the SFHA | 4 of 19 |
| Most Recent Claim | Mar 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | SCOTIA VILLAGE WATER WORKS serves 12,800 people · EPA ID NY4600071 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 7 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead public education Jan 2021 |
| Monitoring and Reporting | 3 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 365 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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