189 Jay St, Albany, NY 12210 Property Records

Albany County and Albany City property record for 189 Jay St, Albany, NY 12210

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 2,012 sqft · built 2011
Lot Size	0.047 acres (2,038 sqft)
Owner	2 Individual Names on File
Last Sale	$383,500 (Aug 2018)
Tax Bill	$11,129 (2026)
Deeds & Mortgages	May 2020 Mortgage May 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010100 76.24-3-18.11`

Property Details

APN / Parcel Number

Primary APN	`010100 76.24-3-18.11`
Alternative APN	`07602400030180110000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,012 sqft Living Area
1st Floor Area	1,006 sqft
2nd Floor Area	1,006 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Other
Exterior Material	Brick
Lot Area	2,038 sqft (0.047 acres)
Lot Dimensions	100 ft deep x 20.4 ft wide
Garage Type	Basement
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07602400030180110000
Street Address	189 JAY ST
City	ALBANY
State	NY
Zip	12210-1807
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2C
Legal Subdivision	PROPERTY AT 1987-183 JAY STREET
Legal Block	3
Legal Lot Number	18.011
Jurisdiction	ALBANY NY
Township / Civil Division	ALBANY
Census Block Group	1
Census Block	1004
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

189 Jay St, a townhouse, is owned and occupied by two individuals who bought it in August 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	189 JAY ST, ALBANY, NY 12210-1807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEFCU
May 20, 2020	Loan Modification, Mortgage · Conventional with PMI SEFCU
Aug 20, 2018	Warranty Deed, Transfer · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2018 · Amount on File
Deed Sale	Aug 20, 2018 · Amount on File
Prior Sale	Dec 30, 2016 · Amount on File
Deed Document Number	201818529
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	189 JAY ST, ALBANY, NY 12210-1807
Document Number	0000012057
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 JAY ST ALBANY NY 122101807, ALBANY, NY 12210-1807

Mortgage

Document Number	0000012057
Date	Jun 24, 2020
Instrument	12057

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2050

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBANY NY
Property Address	189 JAY ST, ALBANY, NY 12210-1807
Document Number	0000012058
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 JAY ST ALBANY NY 122101807, ALBANY, NY 12210-1807

Mortgage

Document Number	0000012058
Date	Jun 24, 2020
Instrument	12058

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Aug 20, 2018
Property Address	189 JAY ST, ALBANY, NY 12210-1807
Document Number	0000018529
Instrument Date	Aug 10, 2018
Instrument	18529
Transaction Type	Transfer
Record Updated	Sep 20, 2018
Title Company	SNEERINGER MONAHAN PROVOST RED

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,534.00
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	481 NEW SCOTLAND AVE ALBANY NY 122082300, ALBANY, NY 12208-2300

Mortgage

Document Number	18530
Date	Aug 20, 2018
Instrument	18530

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 189 Jay St was $11,129.

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	$11,129.00
2025		$429,000 Land $85,800 Building $343,200	$446,875 Land $89,375 Building $357,500
2023		$336,000 (-) Land $67,200 Building $268,800	$474,375 (+12.55%) Land $94,875 Building $379,500
2022		$336,000 Land $67,200 Building $268,800	$421,475 Land $84,295 Building $337,180
2021	$12,970.00

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

Flood

FEMA maps place 189 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 189 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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