Rensselaer County and Troy City property record for 321 1st St, Troy, NY 12180
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,080 sqft · built 1800 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,778 (2026) |
| Deeds & Mortgages | Oct 2022 Refinance Feb 2021 Refinance + 1 more |
| APN | 381700 111.28-9-9 |
| Primary APN | 381700 111.28-9-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,080 sqft Total Area |
| 1st Floor Area | 1,040 sqft |
| 2nd Floor Area | 1,040 sqft |
| Year Built | Built 1800 |
|---|---|
| Effective Year Built | Effective 1800 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 130 ft deep x 25 ft wide |
| Garage Type | Detached |
| Garage Area | 255 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0900880 |
|---|---|
| Street Address | 321 1ST ST |
| City | TROY |
| State | NY |
| Zip | 12180-4907 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | MF |
| Legal Description | 2 STY FR HSE 60-14/165 LIFE EST/JH ROCKWELL |
| Legal Block | 9 |
| Legal Lot Number | 9.000 |
| Jurisdiction | RENSSELAER NY |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 40900 |
321 1st St, a duplex, is owned and occupied by two individuals.
Source: Rensselaer County and Troy City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 1ST ST, TROY, NY 12180-4907 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 25, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTCO BANK |
| Feb 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW YORK STATE HOUSING FINANCE AGENCY |
| Jan 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Property Address | 321 1ST ST, TROY, NY 12180-4907 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0102200315 |
|---|---|
| Date | Oct 25, 2022 |
| Book Page | 10220/315 |
| Instrument | 2022-618798 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Property Address | 321 1ST ST, TROY, NY 12180-4907 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0094660342 |
|---|---|
| Date | Feb 11, 2021 |
| Book Page | 9466/342 |
| Instrument | 2021-583237 |
| Name | NEW YORK STATE HOUSING FINANCE AGENCY |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Property Address | 321 1ST ST, TROY, NY 12180-4907 |
| Document Number | 0000582144 |
| Instrument Date | Jan 15, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2021 |
| Title Company | PRIORITY TITLE COMPANY, PRIORITY TITLE & ESCROW INC |
| Name | Verified Name |
|---|---|
| Address | 321 1ST ST TROY NY 121804907, TROY, NY 12180-4907 |
| Document Number | 0000582144 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 009443/000172 |
| Instrument | 582144 |
| Name | AMERICAN FINANCING |
|---|---|
| Type | Funding / Finance Company |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 24, 2051 |
The 2026 property tax bill for 321 1st St was $1,778 with exemptions applied, up 4% from the year before.
Source: Rensselaer County and Troy City assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Rensselaer County |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,778.00 (+4.04%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $1,709.00 | $72,000 Land $8,800 Building $63,200 | $123,300 Land $15,070 Building $108,230 |
| 2023 | $72,000 (-) Land $8,800 Building $63,200 | $102,900 (+8.62%) Land $12,577 Building $90,323 | |
| 2022 | $1,991.00 Homeowner's exemption Senior Citizen's exemption | $72,000 Land $8,800 Building $63,200 | $94,737 Land $11,579 Building $83,158 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA's flood maps do not cover 321 1st St; there have been 2 flood claims nearby since 1996.
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 23 policies |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 2 (1996–2011) |
| Most Recent Claim | Aug 2011 · rainfall accumulation |
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.
The area around 321 1st 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.
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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