Schenectady County and Schenectady City property record for 175 Ray Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1977 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $134,000 (Aug 2019) |
| Tax Bill | $5,994 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.78-1-7.4 |
| Primary APN | 421500 50.78-1-7.4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 222 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 175 RAY AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1444 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 341 1 WOOD & GAR |
| Legal Subdivision | REVISED MAP OF CONSAUL ROAD GARDENS |
| Legal Block | 1 |
| Legal Lot Number | 7.004 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1010 |
| 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 | 175 RAY AVE, SCHENECTADY, NY 12304-1444 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 2, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Dec 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 26, 2019 | Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2019 · Amount on Record |
| Deed Sale | Aug 26, 2019 · Amount on Record |
| Prior Sale | Oct 31, 1996 · Amount on Record |
| Deed Document Number | 201938268 |
| Deed Book / Page | 2018 / 527 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 175 RAY AVE, SCHENECTADY, NY 12304-1444 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 175 RAY SCHENECTADY, SCHENECTADY, NY 12304 |
| Document Number | 0000010978 |
|---|---|
| Date | Mar 2, 2022 |
| Book Page | 5205/347 |
| Instrument | 202210978 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 175 RAY AVE, SCHENECTADY, NY 12304-1444 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 175 RAY AVE, SCHENECTADY, NY 12304-1444 |
| Document Number | 0000037888 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 5045/569 |
| Instrument | 202037888 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 26, 2019 |
| Property Address | 175 RAY AVE, SCHENECTADY, NY 12304-1444 |
| Document Number | 0000038268 |
| Book / Page | 2018 / 527 |
| Map Reference | DR 64 MAP 25 |
| Instrument Date | Jul 29, 2019 |
| Instrument | 201938268 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $536.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1055 INNER DR, 1055, SCHENECTADY, NY 12303-4221 |
| Name | Verified Name |
|---|---|
| Address | 2894 GUILDERLAND AVE APT 1, 1, SCHENECTADY, NY 12306-3734 |
| Document Number | 0000038269 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 201938269 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
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 | $5,994.00 (+2.04%) | ||
| 2025 | $5,874.00 (+4.26%) | $120,200 (-) Land $18,000 Building $102,200 | $199,040 (+30.82%) Land $29,806 Building $169,234 |
| 2023 | $120,200 (-) Land $18,000 Building $102,200 | $152,152 (+3.8%) Land $22,785 Building $129,367 | |
| 2022 | $120,200 Land $18,000 Building $102,200 | $146,585 Land $21,951 Building $124,634 | |
| 2021 | $5,634.00 |
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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