IIRC you can't even touch a handgun in NYS without a permit, even at a range. Since you have to be 21 to get a permit, then the minimum age for ownership must be 21.
i have attended several ccw permit classes in my county- I went to support friends that were applying for their permits, and it was stressed each time that possession of a handgun without a permit, even at the range or hunting, was a felony.
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