Rensselaer County and Troy City property record for 305 3rd St, Troy, NY 12180
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,552 sqft · built 1890 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Company Name on File |
| Last Sale | $111,000 (Jul 2019) |
| Tax Bill | $7,650 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jul 2019 Sale & Line of Credit |
| APN | 381700 111.28-1-8 |
| Primary APN | 381700 111.28-1-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,552 sqft Total Area |
| 1st Floor Area | 1,276 sqft |
| 2nd Floor Area | 1,276 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 130 ft deep x 25 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1103560 |
|---|---|
| Street Address | 305 3RD ST |
| City | TROY |
| State | NY |
| Zip | 12180-4622 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | MF |
| Legal Description | 2 STY BR HSE 78-17/101 |
| Legal Block | 1 |
| Legal Lot Number | 8.000 |
| Jurisdiction | RENSSELAER NY |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 40900 |
Source: Rensselaer County and Troy City records · APN 381700 111.28-1-8
Assessment roll updated May 15, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 38 WILLETT ST, ALBANY, NY 12210-1165 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 01, 2025 | Deed of Trust, Mortgage · Commercial Mortgage LENDINGONE LLC |
| Jul 02, 2019 | Warranty Deed, Transfer · Line of Credit SUNMARK FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 02, 2019 · Amount on Record |
| Deed Sale | Jul 02, 2019 · Amount on Record |
| Prior Sale | Sep 24, 2015 · Amount on Record |
| Deed Document Number | 2019553445 |
| Deed Book / Page | 8874 / 342 |
| Prior Transfer Date | Jul 20, 2015 |
| Prior Transfer Doc | 0076050022 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Property Address | 305 3RD ST, TROY, NY 12180-4622 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Title Company | SHAKER ABSTRACT AND TITLE LLC, SHAKER ABST & TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0110790051 |
|---|---|
| Date | Oct 01, 2025 |
| Book Page | 11079/51 |
| Instrument | 2025-661980 |
| Name | LENDINGONE LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Recording Date | Jul 02, 2019 |
| Property Address | 305 3RD ST, TROY, NY 12180-4622 |
| Document Number | 0000553445 |
| Book / Page | 008874 / 000342 |
| Instrument Date | Apr 16, 2019 |
| Instrument | 553445 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2019 |
| Title Company | SHAKER ABSTRACT CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $444.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 38 WILLETT ST ALBANY NY 122101165, ALBANY, NY 12210-1165 |
| Document Number | 553446 |
|---|---|
| Date | Jul 02, 2019 |
| Book Page | 008875/000001 |
| Instrument | 553446 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 01, 2024 |
| Rate Type | Adjustable Rate |
|---|
Source: Rensselaer County and Troy City records · Assessment roll updated May 15, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Rensselaer County |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,650.00 (+40.81%) | $88,000 (-) Land $8,800 Building $79,200 | $150,700 (+19.89%) Land $15,070 Building $135,630 |
| 2023 | $88,000 (-) Land $8,800 Building $79,200 | $125,700 (+8.56%) Land $12,570 Building $113,130 | |
| 2022 | $5,433.00 | $88,000 Land $8,800 Building $79,200 | $115,789 Land $11,579 Building $104,210 |
Source: FEMA National Flood Hazard Layer as of January 12, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA, Verizon.
Based on FCC filings for 230 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TROY CITY PWS serves 51,401 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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