Schenectady County and Schenectady City property record for 295 Ray Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,787 sqft · built 1980 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Company Name on Record |
| Last Sale | $110,000 (May 2023) |
| Tax Bill | $7,476 (2026) |
| Deeds & Mortgages | Sep 2023 Mortgage May 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.70-1-35 |
| Primary APN | 421500 50.70-1-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,787 sqft Living Area |
| 1st Floor Area | 1,019 sqft |
| Basement Area | 768 sqft |
| Finished Basement | 768 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Patio Area | 170 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 295 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 | 317 RAISED RANCH |
| Legal Block | 1 |
| Legal Lot Number | 35.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1005 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 149 FIELDSTONE DR, SCHENECTADY, NY 12304-5413 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Sep 8, 2023 | Deed of Trust, Mortgage · Commercial Mortgage SUNMARK FCU |
| May 10, 2023 | Bargain and Sale Deed, Transfer LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC |
| Feb 28, 2023 | Referee's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2023 · Amount on Record |
| Deed Sale | May 10, 2023 · Amount on Record |
| Prior Sale | Feb 28, 2023 · Amount on Record |
| Deed Document Number | 202326861 |
| Deed Book / Page | 2107 / 559 |
| Prior Transfer Date | Feb 10, 2023 |
| Prior Transfer Doc | 0000011300 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 295 RAY AVE, SCHENECTADY, NY 12304-1433 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 149 FIELDSTONE DR, SCHENECTADY, NY 12304-5413 |
| Document Number | 0000051154 |
|---|---|
| Date | Sep 8, 2023 |
| Book Page | 5329/758 |
| Instrument | 202351154 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Aug 15, 2033 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 10, 2023 |
| Property Address | 295 RAY AVE, SCHENECTADY, NY 12304-1433 |
| Document Number | 0000026861 |
| Book / Page | 2107 / 559 |
| Instrument Date | Apr 18, 2023 |
| Instrument | 202326861 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $440.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 101 HUDSON ST FL 24, 24, JERSEY CITY, NJ 07302-3915 |
| Name | Verified Name |
|---|---|
| Address | 149 FIELDSTONE DR, SCHENECTADY, NY 12304-5413 |
| Document Type | Referee's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 28, 2023 |
| Property Address | 295 RAY AVE, SCHENECTADY, NY 12304-1433 |
| Document Number | 0000011300 |
| Book / Page | 2103 / 442 |
| Instrument Date | Feb 10, 2023 |
| Instrument | 202311300 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $520.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 14 MORNING GLORY WAY, SCHENECTADY, NY 12306-3338 |
| Name | Verified Name |
|---|
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 | $7,476.00 (+1.77%) | ||
| 2025 | $7,346.00 (-0.81%) | $152,700 (-) Land $22,900 Building $129,800 | $252,856 (+30.82%) Land $37,920 Building $214,936 |
| 2023 | $152,700 (-) Land $22,900 Building $129,800 | $193,291 (+3.8%) Land $28,987 Building $164,304 | |
| 2022 | $152,700 Land $22,900 Building $129,800 | $186,220 Land $27,927 Building $158,293 | |
| 2021 | $7,406.00 |
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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