188 3rd St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 188 3rd St, Troy, NY 12180

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,755 sqft · built 1890
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Sep 2020)
Tax Bill	$5,175 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
APN	`381700 101.69-10-25`

Property Details

APN / Parcel Number

Primary APN	`381700 101.69-10-25`
Alternative APN	`0804110`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,755 sqft Total Area
1st Floor Area	1,378 sqft
2nd Floor Area	1,377 sqft
Game Room	Game Room

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	129 ft deep x 25 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0804110
Street Address	188 3RD ST
City	TROY
State	NY
Zip	12180-4460
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MF
Legal Description	2 STY FR HSE 96-4/N 1/2 7
Legal Block	10
Legal Lot Number	25.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	1
Census Block	1009
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 (Boundary Increase) listed 2016 · 223 contributing resources · NRIS 16000367

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

Owner

Source: Rensselaer County and Troy City records, as of September 23, 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	18 COOLIDGE AVE, TROY, NY 12180-2702
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2020 · Amount on Record
Deed Sale	Sep 28, 2020 · Amount on Record
Prior Sale	Feb 12, 1998 · Amount on Record
Deed Document Number	2020575216
Deed Book / Page	9298 / 293
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Sep 28, 2020
Property Address	188 3RD ST, TROY, NY 12180-4460
Document Number	0000575216
Book / Page	009298 / 000293
Instrument Date	Sep 24, 2020
Instrument	575216
Transaction Type	Transfer
Record Updated	Oct 9, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 SUMMIT AVE TROY NY 121801447, TROY, NY 12180-1447

Mortgage

Document Number	575217
Date	Sep 28, 2020
Book Page	009298/000296
Instrument	575217

Lender

Name	CAPITAL COMMUNICATIONS FCU
Address	ALBANY, NY 12205

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

Tax Assessment & Valuation

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	$5,175.00 (-20.71%)
2025	$6,527.00 (+10.59%)	$125,000 (-) Land $8,800 Building $116,200	$214,000 (+19.82%) Land $15,066 Building $198,934
2023		$125,000 (-) Land $8,800 Building $116,200	$178,600 (+8.59%) Land $12,573 Building $166,027
2022	$5,902.00	$125,000 Land $8,800 Building $116,200	$164,474 Land $11,579 Building $152,895

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

Flood

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 Record 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

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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