181 4th St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 181 4th St, Troy, NY 12180

Property Summary

Property Type	Triplex
Details	5 bd · 3.5 ba · 2,322 sqft · built 1900
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$545,000 (Oct 2024)
Tax Bill	$6,589 (2026)
Deeds & Mortgages	Oct 2024 Sale & Mortgage May 2021 Sale
APN	`381700 101.61-11-17`

Property Details

APN / Parcel Number

Primary APN	`381700 101.61-11-17`
Alternative APN	`0101980`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,322 sqft Total Area
1st Floor Area	774 sqft
2nd Floor Area	774 sqft
Upper Floors Area	774 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Brick
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	120 ft deep x 25 ft wide
Garage Area	775 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0101980
Street Address	181 4TH ST
City	TROY
State	NY
Zip	12180-4104
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	MU1
Legal Description	3 STY BR BLDG & BR GAR 109-27/N1/2 293
Legal Block	11
Legal Lot Number	17.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	1
Census Block	1002
Census Tract	40800

Historic Designation

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

Historic District	Within the Central Troy Historic District listed 1986 · 424 contributing resources · NRIS 86001527

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

Owner

181 4th St, a triplex, is owned by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	206 3RD ST, 3, TROY, NY 12180-4405
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 1, 2024	Deed, Transfer · Stand-Alone First Mortgage KEY BANK NA
May 13, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2024 · Amount on File
Deed Sale	Oct 1, 2024 · Amount on File
Prior Sale	May 13, 2021 · Amount on File
Deed Document Number	20242024-647178
Deed Book / Page	10783 / 110
Record Updated	Oct 29, 2026

October 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	RENSSELAER NY
Recording Date	Oct 1, 2024
Property Address	181 4TH ST, TROY, NY 12180-4104
Document Number	0107830110
Book / Page	10783 / 110
Instrument Date	May 3, 2024
Instrument	2024-647178
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	MISC COMPANY

Transaction

Amount	Amount on Record
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
Address	206 3RD ST APT 3, 3, TROY, NY 12180-4405

Mortgage

Document Number	2024647179
Date	Oct 1, 2024
Instrument	2024-647179

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	May 13, 2021
Property Address	181 4TH ST, TROY, NY 12180-4104
Document Number	0095820133
Book / Page	9582 / 133
Instrument Date	May 10, 2021
Instrument	2021-588846
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount 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	Revocable Trust
Address	3111 W SUMMER ST, ARVIN, CA 93203

Tax Assessment & Valuation

The 2026 property tax bill for 181 4th St was $6,589, down 8.3% from the year before.

Source: Rensselaer County and Troy City assessment roll, as of May 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,589.00 (-8.33%)
2025	$7,188.00	$181,000 Land $8,800 Building $172,200	$309,900 Land $15,067 Building $294,833
2023		$151,000 (-) Land $8,800 Building $142,200	$215,700 (+8.56%) Land $12,571 Building $203,129
2022	$6,844.00	$151,000 Land $8,800 Building $142,200	$198,684 Land $11,579 Building $187,105

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA's flood maps do not cover 181 4th St; there have been 7 flood claims nearby since 1994.

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

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	7 (1994–2019)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Aug 2019 · rainfall accumulation

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

The area around 181 4th 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	TROY CITY PWS serves 51,401 people · EPA ID NY4100050
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	110 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2018
Treatment and Procedure	Lead public education Oct 2021
Monitoring and Reporting	None 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 626 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
Starlink Satellite	280 / 30
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: Massivemesh Networks, T-Mobile.

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