Rensselaer County and Troy City property record for 186 Ford Ave, Troy, NY 12180
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,800 sqft · built 1984 |
| Lot Size | 2.52 acres (109,771 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $270,000 (Sep 2022) |
| Tax Bill | $9,079 (2026) |
| Deeds & Mortgages | Feb 2023 Sale Sep 2022 Sale & Mortgage + 1 more |
| APN | 381700 112.74-3-5.11 |
| Primary APN | 381700 112.74-3-5.11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Upper Floors Area | 600 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 109,771 sqft (2.52 acres) |
| Lot Width | 61.2 ft Width |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 172 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0505230 |
|---|---|
| Street Address | 186 FORD AVE |
| City | TROY |
| State | NY |
| Zip | 12180-5811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF |
| Legal Description | 2 STY FR HSE LOTS & ADJACENT AREA 1989 1996 MAP 41 |
| Legal Block | 3 |
| Legal Lot Number | 5.011 |
| Jurisdiction | RENSSELAER NY |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 41101 |
186 Ford Ave is held in a trust since January 2023.
Source: Rensselaer County and Troy City records, as of September 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 186 FORD AVE, TROY, NY 12180-5811 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 8, 2023 | Warranty Deed, Transfer |
| Sep 26, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage SUNMARK FCU |
| Jun 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2022 · Amount on File |
| Deed Sale | Sep 26, 2022 · Amount on File |
| Prior Sale | Mar 24, 2005 · Amount on File |
| Deed Document Number | 2022617415 |
| Deed Book / Page | 10191 / 169 |
| Last Transfer Date | Jan 13, 2023 |
| Transfer Doc | 0103170095 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Recording Date | Feb 8, 2023 |
| Property Address | 186 FORD AVE, TROY, NY 12180-5811 |
| Document Number | 0103170095 |
| Book / Page | 10317 / 95 |
| Instrument Date | Jan 13, 2023 |
| Instrument | 2023-623598 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 186 FORD AVE, TROY, NY 12180-5811 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Recording Date | Sep 26, 2022 |
| Property Address | 186 FORD AVE, TROY, NY 12180-5811 |
| Document Number | 0101910169 |
| Book / Page | 10191 / 169 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 2022-617415 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 92 S WILLIAMS ST, WHITEHALL, NY 12887-1549 |
| Document Number | 2022617416 |
|---|---|
| Date | Sep 26, 2022 |
| Instrument | 2022-617416 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.8% |
| Type Change Date | Oct 1, 2029 |
| Max Rate At Change | 2.7% |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Property Address | 186 FORD AVE, TROY, NY 12180-5811 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0100810013 |
|---|---|
| Date | Jun 7, 2022 |
| Book Page | 10081/13 |
| Instrument | 2022-612069 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2047 |
The 2026 property tax bill for 186 Ford Ave was $9,079 with an additional exemption, up 2.3% from the year before.
Source: Rensselaer County and Troy City assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Rensselaer County |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,079.00 (+2.28%) Additional exemption filed | ||
| 2025 | $8,877.00 | $193,000 Land $65,300 Building $127,700 | $330,500 Land $111,822 Building $218,678 |
| 2023 | $193,000 (-) Land $65,300 Building $127,700 | $275,700 (+8.57%) Land $93,281 Building $182,419 | |
| 2022 | $7,473.00 Homeowner's exemption Senior Citizen's exemption | $193,000 Land $65,300 Building $127,700 | $253,947 Land $85,921 Building $168,026 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA's flood maps do not cover 186 Ford Ave; there have been 1 flood claim nearby since 2011.
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 |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 risk around 186 Ford Ave is low, with less than 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 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 525 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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