Schenectady County and Niskayuna Town property record for 28 Ray St, Schenectady, NY 12309 · Last verified April 2026
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2.5 ba · 3,240 sqft · built 1908 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $12,429 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 50.10-2-75 |
| Primary APN | 422400 50.10-2-75 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 16 Rooms |
| Building Area | 3,240 sqft Total Area |
| 1st Floor Area | 1,640 sqft 1st Floor |
| 2nd Floor Area | 1,600 sqft 2nd Floor |
| Stories | 2 Stories |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 215 ft deep x 60 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached |
| Garage Area | 400 sqft Garage |
| Porch | Slab |
| Porch Area | 496 sqft Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 28 RAY ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5918 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Subdivision | LOTS BELONGING TO A B WARNER |
| Legal Block | 2 |
| Legal Lot Number | 75.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 5 |
| Census Block | 5010 |
| Census Tract | 32000 |
Source: Schenectady County and Niskayuna Town records · APN 422400 50.10-2-75
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2498 ANGELINA DR, SCHENECTADY, NY 12309-1195 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Apr 13, 2009 |
| Transfer Doc | 1799000911 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 26, 2021 |
| Property Address | 28 RAY ST, SCHENECTADY, NY 12309-5918 |
| Document Number | 0000035230 |
| Book / Page | 2063 / 463 |
| Instrument Date | Jul 22, 2021 |
| Instrument | 202135230 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2021 |
| Title Company | CHICAGO TITLE ALBANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3105 LANDERSHIRE LN, 3105, PLANO, TX 75023-6214 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2498 ANGELINA DR, NISKAYUNA, NY 12309-1195 |
| Investor | Possibly a Property Investor |
| Document Number | 0000035231 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 202135231 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
Source: Schenectady County and Niskayuna Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Niskayuna Town |
| Unified School District | Niskayuna Central School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,429.00 | $275,000 (-) Land $43,600 Building $231,400 | $407,400 (+17.04%) Land $64,591 Building $342,809 |
| 2023 | $275,000 Land $43,600 Building $231,400 | $348,100 Land $55,190 Building $292,910 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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