178 Jay St, Albany, NY 12210 Property Records

Albany County and Albany City property record for 178 Jay St, Albany, NY 12210

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,482 sqft · built 1868
Lot Size	0.032 acres (1,406 sqft)
Owner	2 Individual Names on File
Last Sale	$153,000 (Dec 2013)
Tax Bill	$5,592 (2026)
Deeds & Mortgages	Nov 2019 Loan Modification Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010100 76.24-4-31`

Property Details

APN / Parcel Number

Primary APN	`010100 76.24-4-31`
Alternative APNs	`010007602400040310000000` `07602400040310000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,482 sqft Total Area
1st Floor Area	494 sqft
2nd Floor Area	494 sqft
Upper Floors Area	494 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1868
Effective Year Built	Effective 1868
Architectural Style	Other
Exterior Material	Brick
Lot Area	1,406 sqft (0.032 acres)
Lot Dimensions	74.3 ft deep x 19.2 ft wide
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07602400040310000000
Street Address	178 JAY ST
City	ALBANY
State	NY
Zip	12210-1808
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2C
Legal Description	2 1/2 BRICK 0505505
Legal Block	4
Legal Lot Number	31.000
Jurisdiction	ALBANY NY
Township / Civil Division	ALBANY
Census Block Group	1
Census Block	1005
Census Tract	1400

Historic Designation

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

Historic District	Within the Center Square-Hudson-Park Historic District (Additional Documentation) listed 1980 · 1,106 contributing resources · NRIS 80002578

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

Owner

178 Jay St, a duplex, is owned and occupied by two individuals who bought it in December 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	178 JAY ST, ALBANY, NY 12210-1808
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 1, 2019	Loan Modification, Mortgage · Conventional Mortgage SEFCU
Nov 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2013 · Amount on File
Deed Sale	Dec 9, 2013 · Amount on File
Deed Document Number	201311525309
Deed Book / Page	3085 / 627
Record Updated	Oct 29, 2026

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBANY NY
Property Address	178 JAY ST, ALBANY, NY 12210-1808
Document Number	0000023939
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 JAY ST ALBANY NY 122101808, ALBANY, NY 12210-1808

Mortgage

Document Number	0000023939
Date	Nov 12, 2019
Instrument	23939

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 11, 2034

Interest

Rate Type	Fixed Rate
Rate	2.87%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	178 JAY ST, ALBANY, NY 12210-1808
Document Number	0000023938
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 JAY ST ALBANY NY 122101808, ALBANY, NY 12210-1808

Mortgage

Document Number	0000023938
Date	Nov 12, 2019
Instrument	23938

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 11, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 178 Jay St was $5,592.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,592.00
2025		$205,000 Land $41,000 Building $164,000	$213,542 Land $42,708 Building $170,834
2023		$155,000 (-) Land $31,000 Building $124,000	$218,834 (+12.55%) Land $43,767 Building $175,067
2022		$155,000 Land $31,000 Building $124,000	$194,431 Land $38,886 Building $155,545
2021	$6,121.00

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

Flood

FEMA maps place 178 Jay 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 178 Jay 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	ALBANY CITY serves 98,000 people · EPA ID NY0100189
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	13 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 923 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 · Fiber in parts of the area	300 / 20
Hudson Valley Wireless Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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