103 Ferry St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 103 Ferry St, Troy, NY 12180

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,362 sqft · built 1909
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on Record
Last Sale	$236,900 (Sep 2025)
Tax Bill	$4,167 (2026)
Deeds & Mortgages	Oct 2022 Refinance Sep 2025 Sale & Mortgage + 4 more
APN	`381700 101.61-7-14`

Property Details

APN / Parcel Number

Primary APN	`381700 101.61-7-14`
Alternative APN	`0202240`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,362 sqft Total Area
1st Floor Area	1,181 sqft
2nd Floor Area	1,181 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Other
Exterior Material	Wood
Lot Area	1,307 sqft (0.03 acres)
Lot Dimensions	50 ft deep x 25 ft wide
Porch	Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0202240
Street Address	103 FERRY ST
City	TROY
State	NY
Zip	12180-4146
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	DMU
Legal Block	7
Legal Lot Number	14.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	2
Census Block	2029
Census Tract	40701

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Central Troy Historic District listed 1986 · 424 contributing resources · NRIS 86001527

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Rensselaer County and Troy 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	2 Individual Names on Record
Mailing Address	240 STATE ST, 2255, ALBANY, NY 12220-4214
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance THE NATIONAL BANK OF COXSACKIE
Sep 22, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
Mar 23, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TROY CMNTY LND BK COR
Mar 23, 2021	Correction Deed
Nov 12, 2019	Quit Claim Deed, Transfer SMPR TITLE AGENCY INC
Jun 20, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Prior Sale	Mar 23, 2021 · Amount on Record
Deed Document Number	2025661580
Deed Book / Page	11071 / 250
Prior Transfer Date	Jan 28, 2021
Prior Transfer Doc	0000585626
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	103 FERRY ST, TROY, NY 12180-4146
Transaction Type	Mortgage
Record Updated	Apr 16, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102040259
Date	Oct 11, 2022
Book Page	10204/259
Instrument	2022-618088

Lender

Name	THE NATIONAL BANK OF COXSACKIE
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Sep 22, 2025
Property Address	103 FERRY ST, TROY, NY 12180-4146
Document Number	0110710250
Book / Page	11071 / 250
Instrument Date	Sep 5, 2025
Instrument	2025-661580
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 STATE ST UNIT 2255, 2255, ALBANY, NY 12220-4214

Mortgage

Document Number	2025661581
Date	Sep 22, 2025
Instrument	2025-661581

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RENSSELAER NY
Recording Date	Mar 23, 2021
Property Address	103 FERRY ST, TROY, NY 12180-4146
Document Number	0095160101
Book / Page	9516 / 101
Instrument Date	Jan 28, 2021
Instrument	2021-585626
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 STATE ST # 255, 255, ALBANY, NY 12220-4201

Mortgage

Document Number	2021585627
Date	Mar 23, 2021
Instrument	2021-585627

Lender

Name	TROY CMNTY LND BK COR

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	RENSSELAER NY
Recording Date	Mar 23, 2021
Property Address	103 FERRY ST, TROY, NY 12180-4146
Document Number	0095160097
Book / Page	9516 / 97
Instrument Date	Jan 21, 2021
Instrument	2021-585625
Record Updated	Apr 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 BROADWAY # STE70, STE70, TROY, NY 12180-3291

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RENSSELAER NY
Recording Date	Nov 12, 2019
Property Address	103 FERRY ST, TROY, NY 12180-4146
Document Number	0000560092
Book / Page	009002 / 000319
Instrument Date	Oct 28, 2019
Instrument	560092
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	SMPR TITLE AGENCY INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	200 BROADWAY #701 TROY NY 121800826, 701, TROY, NY 12180-0826

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jun 20, 2019
Property Address	103 FERRY ST, TROY, NY 12180-4146
Document Number	0000552867
Book / Page	008861 / 000167
Instrument Date	Jun 20, 2019
Instrument	552867
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

Source: Rensselaer County and Troy City assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	New York
County	Rensselaer County
Municipality	Troy City
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,167.00 (+2.53%)
2025	$4,064.00	$87,000 (-) Land $4,500 Building $82,500	$149,000 (+11.36%) Land $7,707 Building $141,293
2024		$87,000 (-) Land $4,500 Building $82,500	$133,800 (+7.64%) Land $6,921 Building $126,879
2023		$87,000 (-) Land $4,500 Building $82,500	$124,300 (+8.58%) Land $6,429 Building $117,871
2022	$5,755.00	$87,000 Land $4,500 Building $82,500	$114,474 Land $5,921 Building $108,553

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 12, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TROY CITY PWS serves 51,401 people · EPA ID NY4100050
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	110 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2018
Treatment and Procedure	Lead public education Oct 2021
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 626 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 Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: Massivemesh Networks, T-Mobile.

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