28 White St, Cohoes, NY 12047 Property Records

Albany County and Cohoes City property record for 28 White St, Cohoes, NY 12047

Property Summary

Property Type	Triplex
Details	8 bd · 3 ba · 3,828 sqft · built 1910
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on File
Last Sale	$527,500 (Jul 2026)
Tax Bill	$1,950 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`010300 10.67-2-2`

Property Details

APN / Parcel Number

Primary APN	`010300 10.67-2-2`
Alternative APNs	`030001006700020020000000` `01006700020020000000`

Interior

Bedrooms	8 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	3,828 sqft Total Area
1st Floor Area	1,276 sqft
2nd Floor Area	1,276 sqft
Upper Floors Area	1,276 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2024
Architectural Style	Other
Exterior Material	Brick
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01006700020020000000
Street Address	28 WHITE ST
City	COHOES
State	NY
Zip	12047-3235
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	05 - COMME
Legal Block	2
Legal Lot Number	2.000
Jurisdiction	ALBANY NY
Township / Civil Division	COHOES
Census Block Group	4
Census Block	4006
Census Tract	12800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Downtown Cohoes Historic District listed 1984 · 149 contributing resources · NRIS 84002060

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

Owner

28 White St, a triplex, is owned by an individual who bought it in July 2026.

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

Owner of Record	Individual Name on File
Mailing Address	4 E HILLS BLVD, ALBANY, NY 12211-2618
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
Jul 15, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK
Jun 8, 2022	Bargain and Sale Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2026 · Amount on File
Deed Sale	Jul 15, 2026 · Amount on File
Prior Sale	Jan 27, 2025 · Amount on File
Deed Document Number	202613350
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 15, 2026
Property Address	28 WHITE ST, COHOES, NY 12047-3235
Document Number	0000013350
Instrument Date	Jul 7, 2026
Instrument	202613350
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213,110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 E HILLS BLVD, ALBANY, NY 12211-2618

Mortgage

Document Number	0000013351,
Date	Jul 15, 2026
Instrument	202613351

Lender

Name	TRUSTCO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 7, 2051

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ALBANY NY
Recording Date	Jun 8, 2022
Property Address	28 WHITE ST, COHOES, NY 12047-3235
Document Number	0000004363
Instrument Date	May 16, 2022
Instrument	R2022-14363
Transaction Type	Transfer
Record Updated	Jul 18, 2022

Transaction

Amount	Amount on Record
Tax	$8.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 ESSEX ST, ALBANY, NY 12206-2027

Tax Assessment & Valuation

The 2026 property tax bill for 28 White St was $1,950, up 44.4% from the year before.

Source: Albany County and Cohoes City assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
Municipality	Cohoes City
Unified School District	Cohoes City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,950.00 (+44.44%)
2025	$1,350.00	$35,000 Land $6,200 Building $28,800	$103,704 Land $18,370 Building $85,334
2023		$35,000 (-) Land $6,200 Building $28,800	$87,500 (+5.48%) Land $15,500 Building $72,000
2022		$35,000 Land $6,200 Building $28,800	$82,958 Land $14,695 Building $68,263
2021	$2,353.00

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

Flood

FEMA maps place 28 White 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 28 White 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	COHOES CITY serves 18,447 people · EPA ID NY0100192
Water Source	Surface water
Last State Inspection	Sep 2022
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure not recorded as resolved · Apr 2026 Turbidity resolved · Jan 2025
Treatment and Procedure	No certified operator currently in violation since Apr 2026
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 672 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

May also be available: Massivemesh Networks.

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