Schenectady County and Schenectady City property record for 359 Ray Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,356 sqft · built 1980 |
| Lot Size | 0.139 acres (6,077 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Oct 2019) |
| Tax Bill | $6,523 (2026) |
| Deeds & Mortgages | Dec 2021 Line of Credit Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.70-1-33.2 |
| Primary APN | 421500 50.70-1-33.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Basement Area | 432 sqft |
| Finished Basement | 432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,077 sqft (0.139 acres) |
| Lot Dimensions | 103 ft deep x 59 ft wide |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 264 sqft |
| Patio Area | 432 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 359 RAY AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | RAISED RANCH |
| Legal Subdivision | REVISED MAP OF CONSAUL ROAD GARDENS |
| Legal Block | 1 |
| Legal Lot Number | 33.002 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1004 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 359 RAY AVE, SCHENECTADY, NY 12304-1434 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU |
| Oct 2, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2019 · Amount on Record |
| Deed Sale | Oct 2, 2019 · Amount on Record |
| Prior Sale | Nov 1, 2012 · Amount on Record |
| Deed Document Number | 201944377 |
| Deed Book / Page | 2021 / 167 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 359 RAY AVE, SCHENECTADY, NY 12304-1434 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 359 RAY AVE, SCHENECTADY, NY 12304-1434 |
| Document Number | 0000063408 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 5179/989 |
| Instrument | 202163408 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 14, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 2, 2019 |
| Property Address | 359 RAY AVE, SCHENECTADY, NY 12304-1434 |
| Document Number | 0000044377 |
| Book / Page | 2021 / 167 |
| Map Reference | DR 64 MAP 25 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 201944377 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | NEWYORK ABSTRACT LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 359 RAY AVE, 359, SCHENECTADY, NY 12304-1434 |
| Name | Verified Name |
|---|---|
| Address | 4280 QUEEN PHILOMENA BLVD APT 167, 167, SCHENECTADY, NY 12304-4820 |
| Document Number | 0000044378 |
|---|---|
| Date | Oct 2, 2019 |
| Instrument | 201944378 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
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 | $6,523.00 (+1.91%) | ||
| 2025 | $6,401.00 (+4.37%) | $129,600 (-) Land $22,200 Building $107,400 | $214,605 (+30.82%) Land $36,761 Building $177,844 |
| 2023 | $129,600 (-) Land $22,200 Building $107,400 | $164,051 (+3.8%) Land $28,101 Building $135,950 | |
| 2022 | $129,600 Land $22,200 Building $107,400 | $158,049 Land $27,073 Building $130,976 | |
| 2021 | $6,133.00 |
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 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 105 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 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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