Rensselaer County and Troy City property record for 20 Locust Ave, Troy, NY 12180
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,188 sqft · built 1870 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $321,000 (Sep 2023) |
| Tax Bill | $9,680 (2026) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Sep 2023 Sale + 2 more |
| APN | 381700 112.41-5-3 |
| Primary APN | 381700 112.41-5-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,188 sqft Living Area |
| 1st Floor Area | 940 sqft |
| 2nd Floor Area | 832 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 168 ft deep x 48.2 ft wide |
| Garage Type | Detached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0508750 |
|---|---|
| Street Address | 20 LOCUST AVE |
| City | TROY |
| State | NY |
| Zip | 12180-5124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF |
| Legal Description | 2 STY FR HSE & 3C FR GAR 490-34/14 |
| Legal Block | 5 |
| Legal Lot Number | 3.000 |
| Jurisdiction | RENSSELAER NY |
| Township / Civil Division | TROY |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 41200 |
20 Locust Ave is owned and occupied by two individuals who bought it in September 2023.
Source: Rensselaer County and Troy City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 LOCUST AVE, TROY, NY 12180-5124 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Sep 21, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage BROADVIEW FEDERAL CREDIT UNION |
| Sep 21, 2023 | Deed, Transfer |
| Feb 11, 2022 | Deed, Transfer · Stand-Alone First Mortgage STATE EMPLOYEES FCU |
| Feb 23, 2021 | Executor's Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2023 · Amount on File |
| Deed Sale | Sep 21, 2023 · Amount on File |
| Prior Sale | Feb 11, 2022 · Amount on File |
| Deed Document Number | 2023632579 |
| Deed Book / Page | 10489 / 270 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Recording Date | Sep 21, 2023 |
| Property Address | 20 LOCUST AVE, TROY, NY 12180-5124 |
| Document Number | 0104890270 |
| Book / Page | 10489 / 270 |
| Instrument Date | Sep 14, 2023 |
| Instrument | 2023-632579 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| 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 | 17 2ND ST APT 1, 1, TROY, NY 12180-3937 |
| Document Number | 2023632580 |
|---|---|
| Date | Sep 21, 2023 |
| Instrument | 2023-632580 |
| Name | BROADVIEW FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Recording Date | Sep 21, 2023 |
| Property Address | 20 LOCUST AVE, TROY, NY 12180-5124 |
| Document Number | 0104890266 |
| Book / Page | 10489 / 266 |
| Instrument Date | Aug 26, 2023 |
| Instrument | 2023-632578 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 LOCUST AVE, TROY, NY 12180-5124 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Recording Date | Feb 11, 2022 |
| Property Address | 20 LOCUST AVE, TROY, NY 12180-5124 |
| Document Number | 0099410216 |
| Book / Page | 9941 / 216 |
| Instrument Date | Jan 21, 2022 |
| Instrument | 2022-605653 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | MISC COMPANY |
| 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 | 146 SANDPIPER BAY, MIRAMAR BEACH, FL 32550-3056 |
| Document Number | 2022605654 |
|---|---|
| Date | Feb 11, 2022 |
| Instrument | 2022-605654 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Recording Date | Feb 23, 2021 |
| Property Address | 20 LOCUST AVE, TROY, NY 12180-5124 |
| Document Number | 0094780079 |
| Book / Page | 9478 / 79 |
| Instrument Date | Feb 8, 2021 |
| Instrument | 2021-583843 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| 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 | 21 LOCUST AVE, TROY, NY 12180-5141 |
| Document Number | 2021583844 |
|---|---|
| Date | Feb 23, 2021 |
| Instrument | 2021-583844 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 20 Locust Ave was $9,680, up 5.2% 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 | $9,680.00 (+5.19%) | ||
| 2025 | $9,202.00 | $197,000 Land $19,000 Building $178,000 | $337,300 Land $32,531 Building $304,769 |
| 2023 | $197,000 (-) Land $19,000 Building $178,000 | $281,400 (+8.56%) Land $27,140 Building $254,260 | |
| 2022 | $8,375.00 | $197,000 Land $19,000 Building $178,000 | $259,211 Land $25,000 Building $234,211 |
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 20 Locust Ave.
Source: FEMA National Flood Hazard Layer, effective January 12, 2016
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 20 Locust 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 99.1% of the US · lower than 99.2% 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 356 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 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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