1145 River Rd, Troy, NY 12182 Property Records

Rensselaer County and Schaghticoke Town property record for 1145 River Rd, Troy, NY 12182

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,110 sqft · built 1945
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Apr 2008)
Tax Bill	$4,038 (2026)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2019 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`384289 70.15-1-9`

Property Details

APN / Parcel Number

Primary APN	`384289 70.15-1-9`
Alternative APN	`315J161900`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,110 sqft Living Area
1st Floor Area	740 sqft
Upper Floors Area	370 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	310 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	315J161900
Street Address	1145 RIVER RD
City	TROY
State	NY
Zip	12182-1224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HD
Legal Block	1
Legal Lot Number	9.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	SCHAGHTICOKE
Census Block Group	2
Census Block	2026
Census Tract	51902

Owner

1145 River Rd is owned and occupied by an individual who bought it in April 2008.

Source: Rensselaer County and Schaghticoke Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1145 RIVER RD, TROY, NY 12182-1224
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY RSRC FCU
Oct 11, 2019	Deed of Trust, Mortgage · Line of Credit COMMUNITY RSRC FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2008 · Amount on File
Deed Sale	Apr 16, 2008 · Amount on File
Prior Sale	Jul 17, 2007 · Amount on File
Deed Book / Page	4583 / 296
Prior Transfer Date	Jun 29, 2007
Prior Transfer Doc	0042120000000338
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	1145 RIVER RD, TROY, NY 12182-1224
Document Number	0000559126
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HILLVIEW DR TROY NY 121821122, TROY, NY 12182-1122

Mortgage

Document Number	0000559126
Date	Oct 22, 2019
Book Page	008982/000323
Instrument	559126

Lender

Name	COMMUNITY RSRC FCU
Address	LATHAM, NY 12110-0352

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 21, 2034

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	1145 RIVER RD, TROY, NY 12182-1224
Document Number	0000559128
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HILLVIEW DR TROY NY 121821122, TROY, NY 12182-1122

Mortgage

Document Number	0000559128
Date	Oct 22, 2019
Book Page	008982/000339
Instrument	559128

Lender

Name	COMMUNITY RSRC FCU
Address	LATHAM, NY 12110-0352

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 21, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1145 River Rd was $4,038, down 5.1% from the year before.

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	$4,038.00 (-5.14%)
2025	$4,257.00	$24,200 Land $3,900 Building $20,300	$169,944 Land $27,388 Building $142,556
2023		$24,200 Land $3,900 Building $20,300	$150,779 Land $24,299 Building $126,480

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

FEMA maps place 1145 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	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

Wildfire risk around 1145 River Rd 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	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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