Schenectady County and Schenectady City property record for 131 Ray Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,356 sqft · built 1979 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $166,000 (May 2020) |
| Tax Bill | $6,367 (2026) |
| Deeds & Mortgages | Jul 2017 Line of Credit Jun 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.78-1-15.1 |
| Primary APN | 421500 50.78-1-15.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Basement Area | 432 sqft |
| Finished Basement | 432 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,500 sqft (0.103 acres) |
| Lot Dimensions | 100 ft deep x 45 ft wide |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 201 sqft |
| Porch | Slab |
| Porch Area | 104 sqft |
| Patio Area | 216 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 131 RAY AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | & PT OF 350 RAISED RANCH |
| Legal Subdivision | REVISED MAP OF CONSAUL ROAD GARDENS |
| Legal Block | 1 |
| Legal Lot Number | 15.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 20700 |
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 | 131 RAY AVE, SCHENECTADY, NY 12304-1431 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 18, 2017 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Jun 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| May 22, 2020 | Warranty Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CORP |
| Jan 12, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2020 · Amount on Record |
| Deed Sale | May 22, 2020 · Amount on Record |
| Prior Sale | Jan 12, 2017 · Amount on Record |
| Deed Document Number | 202014650 |
| Deed Book / Page | 2035 / 35 |
| Prior Transfer Date | Mar 21, 2016 |
| Prior Transfer Doc | 0000026676 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 131 RAY AVE, SCHENECTADY, NY 12304-1431 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000032013 |
|---|---|
| Date | Jul 18, 2017 |
| Book Page | 4773/716 |
| Instrument | 201732013 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 25, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 131 RAY AVE, SCHENECTADY, NY 12304-1431 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000026003 |
|---|---|
| Date | Jun 12, 2017 |
| Book Page | 4766/008 |
| Instrument | 201726003 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 22, 2020 |
| Property Address | 131 RAY AVE, SCHENECTADY, NY 12304-1431 |
| Document Number | 0000014650 |
| Book / Page | 2035 / 35 |
| Map Reference | DR 84 MAP 25 |
| Instrument Date | May 8, 2020 |
| Instrument | 202014650 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $664.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 131 RAY AVE, 131, SCHENECTADY, NY 12304-1431 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1453 STANFORD ST, SCHENECTADY, NY 12308-3514 |
| Document Number | 0000014651 |
|---|---|
| Date | May 22, 2020 |
| Instrument | 202014651 |
| Name | PREMIUM MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 12, 2017 |
| Property Address | 131 RAY AVE, SCHENECTADY, NY 12304-1431 |
| Document Number | 0000002015 |
| Book / Page | 001954 / 000423 |
| Instrument Date | Dec 12, 2016 |
| Instrument | 2015 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1930 LENOX RD SCHENECTADY NY 123081319, SCHENECTADY, NY 12308-1319 |
| Document Number | 2023, |
|---|---|
| Date | Jan 12, 2017 |
| Book Page | 004736/000230 |
| Instrument | 2023 |
| Address | PO BOX 247, SUGAR LOAF, NY 10981-0247 |
|---|
| Amount | Amount Recorded |
|---|
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 | $6,367.00 (+1.95%) | ||
| 2025 | $6,245.00 (+4.45%) | $125,800 (-) Land $18,900 Building $106,900 | $208,313 (+30.82%) Land $31,297 Building $177,016 |
| 2023 | $125,800 (-) Land $18,900 Building $106,900 | $159,241 (+3.8%) Land $23,924 Building $135,317 | |
| 2022 | $125,800 Land $18,900 Building $106,900 | $153,415 Land $23,049 Building $130,366 | |
| 2021 | $5,979.00 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1980) |
| Most Recent Claim | Mar 1980 · 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 531 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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