196 Jay St, Albany, NY 12210 Property Records

Albany County and Albany City property record for 196 Jay St, Albany, NY 12210

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,140 sqft · built 1868
Lot Size	0.032 acres (1,406 sqft)
Owner	Individual Name on File
Last Sale	$219,000 (Aug 2022)
Tax Bill	$6,229 (2026)
Deeds & Mortgages	Jun 2019 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010100 76.24-4-22`

Property Details

APN / Parcel Number

Primary APN	`010100 76.24-4-22`
Alternative APNs	`010007602400040220000000` `07602400040220000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,140 sqft Living Area
1st Floor Area	380 sqft
2nd Floor Area	380 sqft
Upper Floors Area	380 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 19.7 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07602400040220000000
Street Address	196 JAY ST
City	ALBANY
State	NY
Zip	12210-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2C
Legal Description	2 1/2 BRICK 0505514
Legal Block	4
Legal Lot Number	22.000
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

196 Jay St is owned by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	96 JOY DR, ALBANY, NY 12211-1537
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
Jun 26, 2019	Deed of Trust, Mortgage · ARM CAPITAL COMMUNICATIONS FCU
Aug 26, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2022 · Amount on File
Deed Sale	Aug 26, 2022 · Amount on File
Prior Sale	Jun 23, 2008 · Amount on File
Deed Document Number	202220007
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	196 JAY ST, ALBANY, NY 12210-1808
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002542
Date	Jun 26, 2019
Instrument	R2019-12542

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.25%
Index	1-Year CMT
Margin	3
Max Rate	9.25%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Aug 26, 2022
Property Address	196 JAY ST, ALBANY, NY 12210-1808
Document Number	0000000007
Instrument Date	Aug 8, 2022
Instrument	R2022-20007
Transaction Type	Transfer
Record Updated	Sep 16, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$876.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	196 JAY ST, 196, ALBANY, NY 12210-1808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 MYRTLE ST APT 1, 1, BOSTON, MA 02114-4825

Mortgage

Document Number	0000000008
Date	Aug 26, 2022
Instrument	R2022-20008

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 196 Jay St was $6,229, up 1.5% from the year before.

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	$6,229.00 (+1.48%)
2025	$6,138.00 Additional exemption filed	$237,000 Land $47,400 Building $189,600	$246,875 Land $49,375 Building $197,500
2023		$167,000 (-) Land $33,400 Building $133,600	$235,776 (+12.55%) Land $47,155 Building $188,621
2022		$167,000 Land $33,400 Building $133,600	$209,483 Land $41,897 Building $167,586
2021	$6,491.00

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

Flood

FEMA maps place 196 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 196 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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