Albany County and Colonie Town property record for 10 Fermac St, Albany, NY 12205
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,174 sqft · built 1928 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $36,000 (Jul 2020) |
| Tax Bill | $3,287 (2026) |
| Deeds & Mortgages | Apr 2022 Line of Credit Mar 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012601 29.14-1-18 |
| Primary APN | 012601 29.14-1-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,174 sqft Living Area |
| 1st Floor Area | 790 sqft |
| Upper Floors Area | 384 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 152 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02901400010180000000 |
|---|---|
| Street Address | 10 FERMAC ST |
| City | ALBANY |
| State | NY |
| Zip | 12205-4705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 45 |
| Legal Description | N-2 E-1810 S-59-97 |
| Legal Block | 1 |
| Legal Lot Number | 18.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 13901 |
10 Fermac St is owned and occupied by two individuals who acquired it in February 2026.
Source: Albany County and Colonie Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 FERMAC ST, ALBANY, NY 12205-4705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 22, 2022 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| Mar 9, 2026 | Warranty Deed, Transfer NORTHWAY TITLE AGENCY, NORTHWAY TITLE AGENCY INC |
| Feb 19, 2026 | Intrafamily Transfer, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Feb 7, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2020 · Amount on File |
| Deed Sale | Jul 23, 2020 · Amount on File |
| Deed Document Number | 202015688 |
| Last Transfer Date | Feb 5, 2026 |
| Transfer Doc | 0000000457 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 10 FERMAC ST, ALBANY, NY 12205-4705 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10 FERMAC ST, ALBANY, NY 12205-4705 |
| Document Number | 0000000534 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | R2022-10534 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Mar 22, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Mar 9, 2026 |
| Property Address | 10 FERMAC ST, ALBANY, NY 12205-4705 |
| Document Number | 0000000698 |
| Instrument Date | Mar 4, 2026 |
| Instrument | R2026-4698 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | NORTHWAY TITLE AGENCY, NORTHWAY TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $468.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 331 ROWLAND ST TRLR 26, 26, BALLSTON SPA, NY 12020-2631 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10 FERMAC ST, COLONIE, NY 12205-4705 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Feb 19, 2026 |
| Property Address | 10 FERMAC ST, ALBANY, NY 12205-4705 |
| Document Number | 0000000457 |
| Instrument Date | Feb 5, 2026 |
| Instrument | R2026-3457 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10 FERMAC ST, ALBANY, NY 12205-4705 |
| Document Number | 0000000458 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | R2026-3458 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2036 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.9% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.9% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Feb 7, 2020 |
| Property Address | 10 FERMAC ST, ALBANY, NY 12205-4705 |
| Document Number | 0000003260 |
| Instrument Date | Jan 13, 2020 |
| Instrument | 3260 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 11 BRAINTREE ST ALBANY NY 122053201, ALBANY, NY 12205-3201 |
The 2026 property tax bill for 10 Fermac St was $3,287, up 0.6% from the year before.
Source: Albany County and Colonie Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Colonie Town |
| Municipality | Colonie Village |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,287.00 (+0.61%) | ||
| 2025 | $3,267.00 | $79,100 Land $15,800 Building $63,300 | $181,000 Land $36,154 Building $144,846 |
| 2023 | $79,100 (-) Land $15,800 Building $63,300 | $155,100 (+9.32%) Land $30,981 Building $124,119 | |
| 2022 | $79,100 Land $15,800 Building $63,300 | $141,883 Land $28,341 Building $113,542 | |
| 2021 | $2,997.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Fermac St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · 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 Policies | 2 in force |
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.
The area around 10 Fermac St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | COLONIE VILLAGE serves 8,030 people · EPA ID NY0100194 |
|---|---|
| Water Source | Purchased surface water from LATHAM WATER DISTRICT |
| Last State Inspection | Nov 2022 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 151 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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