Rensselaer County and Schaghticoke Town property record for 11 Caroline Dr, Troy, NY 12182
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,407 sqft · built 1952 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Jan 2019) |
| Tax Bill | $5,766 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Sep 2020 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 384289 71.10-1-30 |
| Primary APN | 384289 71.10-1-30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,407 sqft Living Area |
| 1st Floor Area | 1,407 sqft |
| Game Room | Game Room |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 87.1 ft deep x 163 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 294 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 315J123350 |
|---|---|
| Street Address | 11 CAROLINE DR |
| City | TROY |
| State | NY |
| Zip | 12182-1103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R40 |
| Legal Block | 1 |
| Legal Lot Number | 30.000 |
| Jurisdiction | RENSSELAER NY |
| Township / Civil Division | SCHAGHTICOKE |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 51902 |
11 Caroline Dr is owned and occupied by an individual who bought it in January 2019.
Source: Rensselaer County and Schaghticoke Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 CAROLINE DR, TROY, NY 12182-1103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 27, 2026 | Deed of Trust, Mortgage UNION FEDERAL CREDIT UNION |
| Sep 23, 2020 | Loan Modification, Mortgage · Conventional with PMI CAPITAL COMMUNICATIONS FCU |
| Sep 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Jan 11, 2019 | Grant Deed, Transfer · Conventional with PMI CAPITAL COMMUNICATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 11, 2019 · Amount on File |
| Deed Sale | Jan 11, 2019 · Amount on File |
| Prior Sale | Jul 27, 2006 · Amount on File |
| Deed Document Number | 2019545600 |
| Deed Book / Page | 8731 / 257 |
| Prior Transfer Date | Jul 11, 2008 |
| Prior Transfer Doc | 0047150000000074 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Recording Date | Aug 27, 2026 |
| Property Address | 11 CAROLINE DR, TROY, NY 12182-1103 |
| Document Number | 0000675507 |
| Book / Page | 11362 / 183 |
| Instrument Date | Aug 19, 2026 |
| Instrument | 2026675507 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 11 CAROLINE DR, TROY, NY 12182-1103 |
| Document Number | 0000675507, |
|---|---|
| Date | Aug 27, 2026 |
| Book Page | 11362/183 |
| Instrument | 2026675507 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Sep 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Property Address | 11 CAROLINE DR, TROY, NY 12182-1103 |
| Document Number | 0000575267 |
| Instrument Date | Sep 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 11 CAROLINE DR TROY NY 121821103, TROY, NY 12182-1103 |
| Document Number | 0000575267 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 009299/000310 |
| Instrument | 575267 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Address | ALBANY, NY 12205 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Property Address | 11 CAROLINE DR, TROY, NY 12182-1103 |
| Document Number | 0000575266 |
| Instrument Date | Sep 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 11 CAROLINE DR TROY NY 121821103, TROY, NY 12182-1103 |
| Document Number | 0000575266 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 009299/000295 |
| Instrument | 575266 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 28, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Recording Date | Jan 11, 2019 |
| Property Address | 11 CAROLINE DR, TROY, NY 12182-1103 |
| Document Number | 0000545600 |
| Book / Page | 008731 / 000257 |
| Instrument Date | Jan 9, 2019 |
| Instrument | 545600 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2019 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 PINE GROVE LN TROY NY 121821017, TROY, NY 12182-1017 |
| Document Number | 545601 |
|---|---|
| Date | Jan 11, 2019 |
| Book Page | 008731/000261 |
| Instrument | 545601 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Address | ALBANY, NY 12205 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 10, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
The 2026 property tax bill for 11 Caroline Dr was $5,766, down 2% from the year before.
Source: Rensselaer County and Schaghticoke Town assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Rensselaer County |
| County Subdivision | Schaghticoke Town |
| Unified School District | Lansingburgh Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,766.00 (-1.96%) | ||
| 2025 | $5,881.00 | $38,000 Land $11,800 Building $26,200 | $266,854 Land $82,865 Building $183,989 |
| 2023 | $38,000 Land $11,800 Building $26,200 | $236,760 Land $73,520 Building $163,240 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 11 Caroline Dr in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective January 12, 2016 · 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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 10 (1996–2026) |
| Claims Outside the SFHA | 4 of 10 |
| Most Recent Claim | Jun 2026 · rainfall accumulation |
| Claims by Event |
|
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 risk around 11 Caroline Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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