Schenectady County and Niskayuna Town property record for 32 Ray St, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,908 sqft · built 1922 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,875 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Oct 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 50.10-2-73 |
| Primary APN | 422400 50.10-2-73 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,908 sqft Living Area |
| 1st Floor Area | 1,194 sqft |
| 2nd Floor Area | 588 sqft |
| Upper Floors Area | 126 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 212 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 400 sqft |
| Porch | Slab |
| Porch Area | 72 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 32 RAY ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 2 |
| Legal Lot Number | 73.000 |
| 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 50.10-2-73
Assessment roll updated April 14, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 32 RAY ST, SCHENECTADY, NY 12309-5918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 05, 2022 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Oct 01, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jul 03, 2003 |
| Transfer Doc | 1656000289 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 32 RAY ST, SCHENECTADY, NY 12309-5918 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 32 RAY ST, NISKAYUNA, NY 12309-5918 |
| Document Number | 0000023961 |
|---|---|
| Date | May 05, 2022 |
| Book Page | 5224/645 |
| Instrument | 202223961 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Feb 01, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 01, 2020 |
| Property Address | 32 RAY ST, SCHENECTADY, NY 12309-5918 |
| Document Number | 0000030223 |
| Book / Page | 002042 / 000735 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 30223 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 SARATOGA RD SCOTIA NY 123023412, SCOTIA, NY 12302-3412 |
Source: Schenectady County and Niskayuna Town records · Assessment roll updated April 14, 2026 · Last verified August 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 | $7,875.00 | $175,000 (-) Land $41,400 Building $133,600 | $259,300 (+17.07%) Land $61,343 Building $197,957 |
| 2023 | $175,000 Land $41,400 Building $133,600 | $221,500 Land $52,401 Building $169,099 |
Source: FEMA National Flood Hazard Layer as of January 7, 2014 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2008 · rainfall accumulation |
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 292 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NISKAYUNA CONSOLIDATED WD #11 public/private · serves 22,287 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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