13 Lancaster St, Cohoes, NY 12047 Property Records

Albany County and Cohoes City property record for 13 Lancaster St, Cohoes, NY 12047

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,628 sqft · built 1910
Lot Size	0.086 acres (3,750 sqft)
Owner	Individual Name on File
Last Sale	$106,000 (Sep 2018)
Tax Bill	$3,839 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Sep 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010300 10.66-5-20`

Property Details

APN / Parcel Number

Primary APN	`010300 10.66-5-20`
Alternative APNs	`030001006600050200000000` `01006600050200000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,628 sqft Total Area
1st Floor Area	1,368 sqft
2nd Floor Area	1,260 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	3,750 sqft (0.086 acres)
Lot Dimensions	75 ft deep x 50 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01006600050200000000
Street Address	13 LANCASTER ST
City	COHOES
State	NY
Zip	12047-2924
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Block	5
Legal Lot Number	20.000
Jurisdiction	ALBANY NY
Township / Civil Division	COHOES
Census Block Group	4
Census Block	4010
Census Tract	12800

Historic Designation

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

Historic District	Within the Enlarged Erie Canal Historic District (Discontiguous) listed 2004 · 12 contributing resources · NRIS 04000434

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

Owner

13 Lancaster St, a duplex, is owned and occupied by an individual who bought it in September 2018.

Source: Albany County and Cohoes City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	13 LANCASTER ST, COHOES, NY 12047-2924
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 23, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 5, 2018	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 5, 2018	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2018 · Amount on File
Deed Sale	Sep 5, 2018 · Amount on File
Prior Sale	Feb 6, 2003 · Amount on File
Deed Document Number	201819857
Prior Transfer Date	Aug 16, 2018
Prior Transfer Doc	0000019857
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	13 LANCASTER ST, COHOES, NY 12047-2924
Transaction Type	Mortgage
Record Updated	Nov 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 LANCASTER ST, COHOES, NY 12047-2924

Mortgage

Document Number	0000008974
Date	Oct 23, 2023
Instrument	R2023-18974

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	299 Months
Due	Sep 1, 2048

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBANY NY
Recording Date	Sep 5, 2018
Property Address	13 LANCASTER ST, COHOES, NY 12047-2924
Document Number	0020189857
Book / Page	002018 / 019857
Instrument Date	Aug 16, 2018
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 LANCASTER ST COHOES NY 120472924, COHOES, NY 12047-2924

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBANY NY
Recording Date	Sep 5, 2018
Property Address	13 LANCASTER ST, COHOES, NY 12047-2924
Document Number	0000009857
Instrument Date	Aug 16, 2018
Instrument	R2018-19857
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$424.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31 WALNUT ST, 31, MECHANICVILLE, NY 12118-1039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 LANCASTER ST, COHOES, NY 12047-2924

Mortgage

Document Number	0000009858
Date	Sep 5, 2018
Instrument	R2018-19858

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 13 Lancaster St was $3,839, down 9.4% from the year before.

Source: Albany County and Cohoes City assessment roll, as of March 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,839.00 (-9.39%)
2025	$4,237.00	$65,800 Land $6,300 Building $59,500	$194,963 Land $18,667 Building $176,296
2023		$65,800 (-) Land $6,300 Building $59,500	$164,500 (+5.48%) Land $15,750 Building $148,750
2022		$65,800 Land $6,300 Building $59,500	$155,961 Land $14,932 Building $141,029
2021	$4,150.00

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

Flood

FEMA maps place 13 Lancaster St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 6, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 13 Lancaster St has no burnable land within ember reach, so its wildfire risk is not rated.

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	COHOES CITY serves 18,447 people · EPA ID NY0100192
Water Source	Surface water
Last State Inspection	Sep 2022
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure not recorded as resolved · Apr 2026 Turbidity resolved · Jan 2025
Treatment and Procedure	No certified operator currently in violation since Apr 2026
Monitoring and Reporting	1 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 672 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
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: Massivemesh Networks.

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