1109 River Rd, Troy, NY 12182 Property Records

Rensselaer County and Schaghticoke Town property record for 1109 River Rd, Troy, NY 12182

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,152 sqft · built 1991
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$132,500 (Oct 2017)
Tax Bill	$5,803 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Nov 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`384289 70.15-5-8.2`

Property Details

APN / Parcel Number

Primary APN	`384289 70.15-5-8.2`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	180 ft deep x 78 ft wide

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	131 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1109 RIVER RD
City	TROY
State	NY
Zip	12182-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HD
Legal Block	5
Legal Lot Number	8.002
Jurisdiction	RENSSELAER NY
Township / Civil Division	SCHAGHTICOKE
Census Block Group	2
Census Block	2029
Census Tract	51902

Owner

Source: Rensselaer County and Schaghticoke Town 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 RIVER RD, TROY, NY 12182-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Nov 13, 2019	Loan Modification, Mortgage · FHA Mortgage MONEY SOURCE
Oct 11, 2017	Grant Deed, Transfer
May 10, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2017 · Amount on Record
Deed Sale	Oct 11, 2017 · Amount on Record
Prior Sale	May 10, 2017 · Amount on Record
Deed Document Number	2017522751
Deed Book / Page	8320 / 50
Prior Transfer Date	Jan 8, 2015
Prior Transfer Doc	0073970042
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	1109 RIVER RD, TROY, NY 12182-1313
Document Number	0000563884
Instrument Date	Nov 14, 2019
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1109 RIVER RD TROY NY 121821313, TROY, NY 12182-1313

Mortgage

Document Number	0000563884
Date	Jan 29, 2020
Book Page	009074/000260
Instrument	563884

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2050

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RENSSELAER NY
Property Address	1109 RIVER RD, TROY, NY 12182-1313
Document Number	0000562860
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1109 RIVER RD TROY NY 121821313, TROY, NY 12182-1313

Mortgage

Document Number	0000562860
Date	Jan 8, 2020
Book Page	009055/000344
Instrument	562860

Lender

Name	MONEY SOURCE
Type	Funding / Finance Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Oct 11, 2017
Property Address	1109 RIVER RD, TROY, NY 12182-1313
Document Number	0083200049
Book / Page	008320 / 000049
Instrument Date	Oct 4, 2017
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 RIVER RD TROY NY 121821313, TROY, NY 12182-1313

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	May 10, 2017
Property Address	1109 RIVER RD, TROY, NY 12182-1313
Document Number	0081700003
Book / Page	008170 / 000003
Instrument Date	May 8, 2017
Transaction Type	Transfer
Record Updated	Jun 20, 2017

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 GROVESIDE RD HOOSICK FALLS NY 120905109, HOOSICK FALLS, NY 12090-5109

Tax Assessment & Valuation

Source: Rensselaer County and Schaghticoke Town assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	New York
County	Rensselaer County
County Subdivision	Schaghticoke Town
Unified School District	Lansingburgh Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,803.00 (-0.57%)
2025	$5,836.00	$31,400 (-) Land $4,000 Building $27,400	$220,506 (+12.71%) Land $28,090 Building $192,416
2023		$31,400 (-) Land $4,000 Building $27,400	$195,639 (+10.59%) Land $24,922 Building $170,717
2022		$31,400 Land $4,000 Building $27,400	$176,901 Land $22,535 Building $154,366

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.

Flood

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 Record 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	Hurricane Irene, Aug 2011 · 2 claims

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Hudson Valley Wireless Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: SLICFiber.

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