1109 O St, Troy, NY 12182 Property Records

Rensselaer County and Troy City property record for 1109 O St, Troy, NY 12182

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,196 sqft · built 1960
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Dec 2025)
Tax Bill	$4,629 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2025 Sale & Mortgage
APN	`381700 70.74-2-2`

Property Details

APN / Parcel Number

Primary APN	`381700 70.74-2-2`
Alternative APN	`1710760`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	100 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1710760
Street Address	1109 O ST
City	TROY
State	NY
Zip	12182-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	1 STY FR HSE & ATT GAR 370A-12-12A/163-162
Legal Block	2
Legal Lot Number	2.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	1
Census Block	1000
Census Tract	40100

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	1109 O ST, TROY, NY 12182-1513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Quit Claim Deed, Transfer · Conventional Mortgage NAVY FCU
Dec 24, 2025	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 24, 2025 · Amount on Record
Deed Sale	Dec 24, 2025 · Amount on Record
Deed Document Number	2025665536
Deed Book / Page	11155 / 317
Prior Transfer Date	Nov 18, 2025
Prior Transfer Doc	0111550314
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RENSSELAER NY
Recording Date	Dec 24, 2025
Property Address	1109 O ST, TROY, NY 12182-1513
Document Number	0111550314
Book / Page	11155 / 314
Instrument Date	Nov 18, 2025
Instrument	2025-665535
Transaction Type	Transfer
Record Updated	Feb 4, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 N ST, TROY, NY 12182-1512

Mortgage

Document Number	0111550320
Date	Dec 24, 2025
Book Page	11155/320
Instrument	2025-665537

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Dec 24, 2025
Property Address	1109 O ST, TROY, NY 12182-1513
Document Number	0111550317
Book / Page	11155 / 317
Instrument Date	Nov 18, 2025
Instrument	2025-665536
Transaction Type	Transfer
Record Updated	Feb 4, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

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	1109 O ST, TROY, NY 12182-1513

Mortgage

Document Number	2025665537
Date	Dec 24, 2025
Instrument	2025-665537

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

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	Lansingburgh Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,629.00 (+1.29%)
2025	$4,570.00 (+114.05%)	$100,000 (-) Land $18,000 Building $82,000	$171,200 (+11.31%) Land $30,816 Building $140,384
2024	$2,135.00 (-51.03%)	$100,000 (-) Land $18,000 Building $82,000	$153,800 (+7.63%) Land $27,684 Building $126,116
2023		$100,000 (-) Land $18,000 Building $82,000	$142,900 (+8.6%) Land $25,722 Building $117,178
2022	$4,360.00	$100,000 Land $18,000 Building $82,000	$131,579 Land $23,684 Building $107,895

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearby Flood Claims	5 (1979–2016)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jan 2016 · other causes

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	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 240 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
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile, Verizon.

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