221 Jay St, Albany, NY 12210 Property Records

Albany County and Albany City property record for 221 Jay St, Albany, NY 12210

Property Summary

Property Type	Duplex
Details	2 bd · 2.5 ba · 1,714 sqft · built 1852
Lot Size	0.032 acres (1,406 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Feb 2025)
Tax Bill	$10,314 (2026)
Deeds & Mortgages	Sep 2020 Refinance Jan 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010100 76.24-3-28`

Property Details

APN / Parcel Number

Primary APN	`010100 76.24-3-28`
Alternative APNs	`010007602400030280000000` `07602400030280000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,714 sqft Total Area
1st Floor Area	850 sqft
2nd Floor Area	864 sqft
Basement Area	850 sqft
Finished Basement	850 sqft
Unfinished Basement	850 sqft

Exterior

Year Built	Built 1852
Effective Year Built	Effective 1852
Architectural Style	Other
Exterior Material	Brick
Lot Area	1,406 sqft (0.032 acres)
Lot Dimensions	74.3 ft deep x 19.1 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07602400030280000000
Street Address	221 JAY ST
City	ALBANY
State	NY
Zip	12210-1807
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2C
Legal Description	2 1/2 BRICK PEN & BON 0505715
Legal Subdivision	SIXTEENTH WARD
Legal Block	3
Legal Lot Number	28.000
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

Source: Albany County and Albany 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	Individual Name on Record
Mailing Address	221 JAY ST, ALBANY, NY 12210-1807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA
Jan 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jul 6, 2017	Deed, Transfer · FHA Mortgage SEFCU MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2025 · Amount on Record
Deed Sale	Feb 27, 2025 · Amount on Record
Prior Sale	Sep 17, 2021 · Amount on Record
Deed Document Number	20253740
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	221 JAY ST, ALBANY, NY 12210-1807
Transaction Type	Mortgage
Record Updated	Apr 15, 2022
Title Company	PRIORITY 1 ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009637
Date	Sep 8, 2020
Instrument	R2020-19637

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	221 JAY ST, ALBANY, NY 12210-1807
Transaction Type	Mortgage
Record Updated	Apr 15, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001396
Date	Jan 17, 2019
Instrument	R2019-01396

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	221 JAY ST, ALBANY, NY 12210-1807
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009636
Date	Sep 8, 2020
Instrument	R2020-19636

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Term	169 Months
Due	Oct 1, 2034

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	221 JAY ST, ALBANY, NY 12210-1807
Transaction Type	Mortgage
Record Updated	Apr 15, 2022
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 SIENA PALM DR 104, 104, KISSIMMEE, FL 34747-4409

Mortgage

Document Number	0000008527
Date	Sep 17, 2021
Instrument	R2021-28527

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 6, 2017
Property Address	221 JAY ST, ALBANY, NY 12210-1807
Document Number	0000005474
Instrument Date	Jun 26, 2017
Instrument	R2017-15474
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	381 STATE ST, 381, ALBANY, NY 12210-1298

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	18 LENOX AVE, ALBANY, NY 12203-2006

Mortgage

Document Number	0000005475
Date	Jul 6, 2017
Instrument	R2017-15475

Lender

Name	SEFCU MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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	$10,314.00 (+39.85%)
2025		$390,000 (+113.11%) Land $78,000 Building $312,000	$406,250 (+57.24%) Land $81,250 Building $325,000
2023		$183,000 (-) Land $36,600 Building $146,400	$258,365 (+12.55%) Land $51,673 Building $206,692
2022		$183,000 Land $36,600 Building $146,400	$229,553 Land $45,911 Building $183,642
2021	$7,375.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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