14 Big Bear Rd, Troy, NY 12182 Property Records

Rensselaer County and Schaghticoke Town property record for 14 Big Bear Rd, Troy, NY 12182

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1969
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Nov 2023)
Tax Bill	$5,568 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`384289 70.12-2-11`

Property Details

APN / Parcel Number

Primary APN	`384289 70.12-2-11`
Alternative APN	`315J137425`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Game Room	Game Room

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	150 ft deep x 105 ft wide
Garage Type	Basement

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Patio Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	315J137425
Street Address	14 BIG BEAR RD
City	TROY
State	NY
Zip	12182-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Block	2
Legal Lot Number	11.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	SCHAGHTICOKE
Census Block Group	2
Census Block	2020
Census Tract	51902

Owner

Source: Rensselaer County and Schaghticoke Town records, as of May 15, 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	14 BIG BEAR RD, TROY, NY 12182-1004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Nov 8, 2023	Warranty Deed, Transfer · FHA Mortgage BERKSHIRE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2023 · Amount on Record
Deed Sale	Nov 8, 2023 · Amount on Record
Deed Document Number	20232023-634659
Deed Book / Page	10532 / 59
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	14 BIG BEAR RD, TROY, NY 12182-1004
Transaction Type	Mortgage
Record Updated	Apr 22, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0112270211
Date	Mar 25, 2026
Book Page	11227/211
Instrument	2026-669194

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	481 Months
Due	Apr 1, 2066

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Nov 8, 2023
Property Address	14 BIG BEAR RD, TROY, NY 12182-1004
Document Number	0105320059
Book / Page	10532 / 59
Instrument Date	Oct 31, 2023
Instrument	2023-634659
Transaction Type	Transfer
Record Updated	Dec 5, 2023
Title Company	MISC COMPANY

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
Relationship	Joint Tenants with Right of Survivorship
Address	14 PENNY LN, AVERILL PARK, NY 12018-9791
Investor	Possibly a Property Investor

Mortgage

Document Number	0105320063
Date	Nov 8, 2023
Book Page	10532/63
Instrument	2023-634660

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

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
2025	$5,568.00	$35,900 (-) Land $11,900 Building $24,000	$252,107 (+12.71%) Land $83,568 Building $168,539
2023		$35,900 (-) Land $11,900 Building $24,000	$223,676 (+10.59%) Land $74,143 Building $149,533
2022	Homeowner's exemption Senior Citizen's exemption	$35,900 Land $11,900 Building $24,000	$202,254 Land $67,042 Building $135,212

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	Direct burnable vegetation

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 110 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

May also be available: Verizon.

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