Schenectady County and Schenectady City property record for 166 Ray Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,560 sqft · built 1978 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $18,000 (Dec 2018) |
| Tax Bill | $6,668 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage Dec 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.78-1-8.5 |
| Primary APN | 421500 50.78-1-8.5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| 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 | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 180 sqft |
| Patio Area | 196 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 166 RAY AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | & PT OF 276 RAISED RANCH |
| Legal Subdivision | REVISED MAP OF CONSAUL ROAD GARDENS |
| Legal Block | 1 |
| Legal Lot Number | 8.005 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1318 STANFORD ST, SCHENECTADY, NY 12308-3416 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA |
| Dec 10, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2018 · Amount on Record |
| Deed Sale | Dec 10, 2018 · Amount on Record |
| Prior Sale | Apr 13, 2016 · Amount on Record |
| Deed Document Number | 201853910 |
| Deed Book / Page | 2001 / 498 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 166 RAY AVE, SCHENECTADY, NY 12304-1445 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PRIORITY I ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 1318 STANFORD ST, SCHENECTADY, NY 12308-3416 |
| Document Number | 0000026084 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 5017/598 |
| Instrument | 202026084 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Oct 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 10, 2018 |
| Property Address | 166 RAY AVE, SCHENECTADY, NY 12304-1445 |
| Document Number | 0000053910 |
| Book / Page | 002001 / 000498 |
| Instrument Date | Dec 7, 2018 |
| Instrument | 53910 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $72.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1318 STANFORD ST SCHENECTADY NY 123083416, SCHENECTADY, NY 12308-3416 |
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 | $6,668.00 (+1.89%) | ||
| 2025 | $6,544.00 (+4.29%) | $133,100 (-) Land $21,100 Building $112,000 | $220,401 (+30.82%) Land $34,940 Building $185,461 |
| 2023 | $133,100 (-) Land $21,100 Building $112,000 | $168,481 (+3.8%) Land $26,709 Building $141,772 | |
| 2022 | $133,100 Land $21,100 Building $112,000 | $162,317 Land $25,732 Building $136,585 | |
| 2021 | $6,275.00 |
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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