Schenectady County and Schenectady City property record for 170 Ray Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,370 sqft · built 1977 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $154,500 (Jan 2021) |
| Tax Bill | $6,527 (2026) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Oct 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.78-1-8.6 |
| Primary APN | 421500 50.78-1-8.6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,370 sqft Living Area |
| 1st Floor Area | 945 sqft |
| Basement Area | 425 sqft |
| Finished Basement | 425 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| 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 | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 28 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 170 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 279 RAISED RANCH |
| Legal Subdivision | REVISED MAP OF CONSAUL ROAD GARDENS |
| Legal Block | 1 |
| Legal Lot Number | 8.006 |
| 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 | 170 RAY AVE, SCHENECTADY, NY 12304-1445 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2021 | Warranty Deed, Transfer · Conventional with PMI SEFCU |
| Oct 17, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2021 · Amount on Record |
| Deed Sale | Jan 27, 2021 · Amount on Record |
| Prior Sale | Oct 17, 2019 · Amount on Record |
| Deed Document Number | 20213609 |
| Deed Book / Page | 2050 / 912 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 27, 2021 |
| Property Address | 170 RAY AVE, SCHENECTADY, NY 12304-1445 |
| Document Number | 0000003609 |
| Book / Page | 002050 / 000912 |
| Instrument Date | Jan 8, 2021 |
| Instrument | 3609 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $618.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 206 WARREN ST HUDSON NY 125342118, HUDSON, NY 12534-2118 |
| Document Number | 3610 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 005064/000035 |
| Instrument | 3610 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 26, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 17, 2019 |
| Property Address | 170 RAY AVE, SCHENECTADY, NY 12304-1445 |
| Document Number | 0000046934 |
| Book / Page | 002022 / 000151 |
| Instrument Date | Oct 7, 2019 |
| Instrument | 46934 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $196.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1047 GLENWOOD BLVD SCHENECTADY NY 123082909, SCHENECTADY, NY 12308-2909 |
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 | $6,527.00 (+1.9%) | ||
| 2025 | $6,405.00 (+4.37%) | $129,700 (-) Land $19,500 Building $110,200 | $214,771 (+30.82%) Land $32,290 Building $182,481 |
| 2023 | $129,700 (-) Land $19,500 Building $110,200 | $164,177 (+3.8%) Land $24,684 Building $139,493 | |
| 2022 | $129,700 Land $19,500 Building $110,200 | $158,171 Land $23,781 Building $134,390 | |
| 2021 | $6,137.00 |
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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