247 Ray Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 247 Ray Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,408 sqft · built 1976
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on Record
Last Sale	$62,500 (Nov 2015)
Tax Bill	$6,342 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 50.70-1-36.22`

Property Details

APN / Parcel Number

Primary APN	`421500 50.70-1-36.22`
Alternative APN	`150005007000010360220000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,408 sqft Living Area
1st Floor Area	958 sqft
Basement Area	450 sqft
Finished Basement	450 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
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

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Slab
Porch Area	468 sqft
Patio Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	247 RAY AVE
City	SCHENECTADY
State	NY
Zip	12304-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	& PT OF 322 RAISED RANCH
Legal Subdivision	CONSAUL ROAD GARDENS
Legal Block	1
Legal Lot Number	36.022
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1005
Census Tract	20700

Owner

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	247 RAY AVE, SCHENECTADY, NY 12304-1433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2015 · Amount on Record
Deed Sale	Nov 18, 2015 · Amount on Record
Prior Sale	Nov 18, 2015 · Amount on Record
Deed Book / Page	1926 / 198
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 10, 2021
Property Address	247 RAY AVE, SCHENECTADY, NY 12304-1433
Document Number	0000005514
Book / Page	2051 / 967
Map Reference	DR 64 PG 25
Instrument Date	Feb 4, 2021
Instrument	202105514
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	AMERICA LAND TITLE AFFILIATES, AMERICA LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$678.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 ALTON RD, 10, ALBANY, NY 12203-4202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 FEHR AVE, SCHENECTADY, NY 12304-1401

Mortgage

Document Number	0000005515
Date	Feb 10, 2021
Instrument	202105515

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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	$6,342.00 (+1.96%)
2025	$6,220.00 (+4.45%)	$125,200 (-) Land $18,800 Building $106,400	$207,319 (+30.82%) Land $31,131 Building $176,188
2023		$125,200 (-) Land $18,800 Building $106,400	$158,481 (+3.8%) Land $23,797 Building $134,684
2022		$125,200 Land $18,800 Building $106,400	$152,683 Land $22,927 Building $129,756
2021	$5,955.00

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

Flood

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

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