181 Ray Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 181 Ray Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,125 sqft · built 1980
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Feb 2016)
Tax Bill	$6,361 (2026)
Deeds & Mortgages	Nov 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`421500 50.78-1-7.3`

Property Details

APN / Parcel Number

Primary APN	`421500 50.78-1-7.3`
Alternative APN	`150005007800010070030000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,125 sqft Living Area
1st Floor Area	984 sqft
Upper Floors Area	141 sqft
Basement Area	192 sqft
Finished Basement	192 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
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	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Slab
Porch Area	136 sqft
Patio Area	297 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	181 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	338 1 WOOD & GAR
Legal Subdivision	REVISED MAP OF CONSAUL ROAD GARDENS
Legal Block	1
Legal Lot Number	7.003
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1010
Census Tract	20700

Owner

181 Ray Ave is owned and occupied by an individual who bought it in February 2016.

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

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

Owner of Record	Individual Name on File
Mailing Address	181 RAY AVE, SCHENECTADY, NY 12304-1444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2016 · Amount on File
Deed Sale	Feb 17, 2016 · Amount on File
Prior Sale	May 13, 2004 · Amount on File
Deed Document Number	20166569
Deed Book / Page	1931 / 310
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 23, 2021
Property Address	181 RAY AVE, SCHENECTADY, NY 12304-1444
Document Number	0000059328
Book / Page	2072 / 353
Map Reference	MAP 25
Instrument Date	Oct 14, 2021
Instrument	202159328
Transaction Type	Transfer
Record Updated	Dec 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	843 NEW SCOTLAND AVE APT 2, 843, ALBANY, NY 12208-1233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 HENDRICKSON AVE, SCHENECTADY, NY 12309-3710

Tax Assessment & Valuation

The 2026 property tax bill for 181 Ray Ave was $6,361, up 2% 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	$6,361.00 (+1.96%)
2025	$6,239.00	$129,100 Land $19,400 Building $109,700	$213,777 Land $32,125 Building $181,652
2023		$129,100 (-) Land $19,400 Building $109,700	$163,418 (+3.8%) Land $24,557 Building $138,861
2022		$129,100 Land $19,400 Building $109,700	$157,439 Land $23,659 Building $133,780
2021	$5,994.00

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

Flood

FEMA maps place 181 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 181 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