297 2nd St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 297 2nd St, Troy, NY 12180

Property Summary

Property Type	Duplex
Details	7 bd · 2 ba · 2,500 sqft · built 1896
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Aug 2026)
Tax Bill	$4,103 (2026)
Deeds & Mortgages	Aug 2026 Sale Sep 2021 Mortgage + 2 more
APN	`381700 111.28-6-3`

Property Details

APN / Parcel Number

Primary APN	`381700 111.28-6-3`
Alternative APN	`0902740`

Interior

Bedrooms	7 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,500 sqft Living Area
1st Floor Area	1,250 sqft
2nd Floor Area	1,250 sqft

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1896
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	130 ft deep x 25 ft wide
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0902740
Street Address	297 2ND ST
City	TROY
State	NY
Zip	12180-4911
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MF
Legal Description	2 STY BK HSE 59-21/117
Legal Block	6
Legal Lot Number	3.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	3
Census Block	3021
Census Tract	40900

Owner

297 2nd St, a duplex, is owned and occupied by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	473 2ND ST, TROY, NY 12180-5518
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Aug 14, 2026	Deed, Transfer
Sep 30, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 18, 2020	Deed of Trust, Mortgage IRA J GAINES
Jul 25, 2019	Deed of Trust, Mortgage IGSTAR LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2026 · Amount on File
Deed Sale	Aug 14, 2026 · Amount on File
Prior Sale	Sep 21, 2010 · Amount on File
Deed Document Number	2026674915
Deed Book / Page	11349 / 156
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	RENSSELAER NY
Recording Date	Aug 14, 2026
Property Address	297 2ND ST, TROY, NY 12180-4911
Document Number	0000674915
Book / Page	11349 / 156
Instrument Date	Jul 16, 2026
Instrument	2026674915
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	473 2ND ST, TROY, NY 12180-5518

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	297 2ND ST, TROY, NY 12180-4911
Transaction Type	Mortgage
Record Updated	Apr 16, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097650070
Date	Sep 30, 2021
Book Page	9765/70
Instrument	2021-597472

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Oct 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	297 2ND ST, TROY, NY 12180-4911
Document Number	0000568165
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	297 2ND ST TROY NY 121804911, TROY, NY 12180-4911

Mortgage

Document Number	0000568165
Date	May 13, 2020
Book Page	009158/000312
Instrument	568165

Lender

Name	IRA J GAINES
Address	7000 N 16TH ST # 120503, PHOENIX, AZ 85020-5512

Agreement

Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	297 2ND ST, TROY, NY 12180-4911
Document Number	0000556989
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	297 2ND ST TROY NY 121804911, TROY, NY 12180-4911

Mortgage

Document Number	0000556989
Date	Sep 12, 2019
Book Page	008941/000029
Instrument	556989

Lender

Name	IGSTAR LLC
Address	7000 N 16TH ST 120 # 503, PHOENIX, AZ 85020

Agreement

Amount	Amount on Record

Interest

Rate	7.5%

Tax Assessment & Valuation

The 2026 property tax bill for 297 2nd St was $4,103 with a homeowner's exemption, down 46.8% from the year before.

Source: Rensselaer County and Troy City assessment roll, as of May 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,103.00 (-46.82%) Homeowner's exemption
2025	$7,716.00	$86,000 Land $8,800 Building $77,200	$147,300 Land $15,073 Building $132,227
2023		$86,000 (-) Land $8,800 Building $77,200	$122,900 (+8.61%) Land $12,576 Building $110,324
2022	$5,138.00 Homeowner's exemption	$86,000 Land $8,800 Building $77,200	$113,158 Land $11,579 Building $101,579

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

Flood

FEMA's flood maps do not cover 297 2nd St; there have been 42 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective January 12, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	42 (1979–2019)
Claims Outside the SFHA	1 of 42
Most Recent Claim	Aug 2019 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 32 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 297 2nd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 230 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
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile, Verizon.

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