180 Ray Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 180 Ray Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,240 sqft · built 1978
Lot Size	0.479 acres (20,880 sqft)
Owner	Individual Name on File
Tax Bill	$8,057 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 50.78-1-8.3`

Property Details

APN / Parcel Number

Primary APN	`421500 50.78-1-8.3`
Alternative APN	`150005007800010080030000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,240 sqft Living Area
1st Floor Area	1,592 sqft
Basement Area	648 sqft
Finished Basement	648 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	20,880 sqft (0.479 acres)
Lot Dimensions	87 ft deep x 240 ft wide
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Porch	Slab
Porch Area	308 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	180 RAY AVE
City	SCHENECTADY
State	NY
Zip	12304-1445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Subdivision	GONSAUL ROAD GARDENS
Legal Block	1
Legal Lot Number	8.003
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1004
Census Tract	20700

Owner

180 Ray Ave is owned and occupied by an individual who acquired it in June 2021.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	180 RAY AVE, SCHENECTADY, NY 12304-1445
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 8, 2021
Transfer Doc	0000033125
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 14, 2021
Property Address	180 RAY AVE, SCHENECTADY, NY 12304-1445
Document Number	0000033125
Book / Page	2062 / 724
Map Reference	CAB E PG 160
Instrument Date	Jun 8, 2021
Instrument	202133125
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,048.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 9TH ST, TROY, NY 12180-2304

Mortgage

Document Number	0000033126
Date	Jul 14, 2021
Instrument	202133126

Lender

Name	HUNT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 180 Ray Ave was $8,057, up 1.7% from the year before.

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,057.00 (+1.68%)
2025	$7,924.00	$162,200 Land $22,200 Building $140,000	$268,588 Land $36,761 Building $231,827
2023		$162,200 (+9.82%) Land $22,200 Building $140,000	$205,316 (+13.99%) Land $28,101 Building $177,215
2022		$147,700 Land $22,200 Building $125,500	$180,122 Land $27,073 Building $153,049
2021	$7,030.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 180 Ray Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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.

Wildfire

Wildfire risk around 180 Ray Ave is low, with less than a 0.01% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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