312 McCarty Ave, Albany, NY 12209 Property Records

Albany County and Albany City property record for 312 McCarty Ave, Albany, NY 12209

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,150 sqft · built 1929
Lot Size	0.088 acres (3,815 sqft)
Owner	2 Individual Names on File
Last Sale	$233,000 (Jan 2025)
Tax Bill	$4,264 (2026)
Deeds & Mortgages	Mar 2020 Sale & Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010100 76.77-2-3`

Property Details

APN / Parcel Number

Primary APN	`010100 76.77-2-3`
Alternative APNs	`010007607700020030000000` `07607700020030000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,150 sqft Living Area
1st Floor Area	575 sqft
2nd Floor Area	575 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,815 sqft (0.088 acres)
Lot Dimensions	109 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	133 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07607700020030000000
Street Address	312 MCCARTY AVE
City	ALBANY
State	NY
Zip	12209-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2A
Legal Description	2 WOOD & 1 CAR METAL GAR 0104316
Legal Subdivision	FIRST WARD
Legal Block	2
Legal Lot Number	3.000
Jurisdiction	ALBANY NY
Township / Civil Division	ALBANY
Census Block Group	5
Census Block	5016
Census Tract	2000

Owner

312 McCarty Ave is owned and occupied by two individuals who bought it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	312 MCCARTY AVE, ALBANY, NY 12209-2010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2025 · Amount on File
Deed Sale	Jan 10, 2025 · Amount on File
Prior Sale	Mar 3, 2020 · Amount on File
Deed Document Number	2025611
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Mar 3, 2020
Property Address	312 MCCARTY AVE, ALBANY, NY 12209-2010
Document Number	0000004984
Instrument Date	Feb 20, 2020
Instrument	R2020-04984
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	451 7TH ST SW, 451, WASHINGTON, DC 20410-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 STATE ST APT 4B, 4B, ALBANY, NY 12210-2132

Mortgage

Document Number	0000004987
Date	Mar 3, 2020
Instrument	R2020-04987

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 312 McCarty Ave was $4,264.

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	$4,264.00
2025		$160,000 Land $32,000 Building $128,000	$166,667 Land $33,333 Building $133,334
2023		$113,000 (-) Land $22,600 Building $90,400	$159,537 (+12.55%) Land $31,907 Building $127,630
2022		$113,000 Land $22,600 Building $90,400	$141,746 Land $28,349 Building $113,397
2021	$4,511.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 312 McCarty Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 312 McCarty Ave is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	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.

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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Hudson Valley Wireless Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20