321 4th St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 321 4th St, Troy, NY 12180

Property Summary

Property Type	Triplex
Details	4 bd · 3 ba · 2,112 sqft · built 1890
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Jul 2025)
Tax Bill	$3,456 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Oct 2020 Sale + 1 more
APN	`381700 101.77-12-5`

Property Details

APN / Parcel Number

Primary APN	`381700 101.77-12-5`
Alternative APN	`1100660`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,112 sqft Total Area
1st Floor Area	1,056 sqft
2nd Floor Area	1,056 sqft

Exterior

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	125 ft deep x 25 ft wide
Porch	Porch
Porch Area	352 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1100660
Street Address	321 4TH ST
City	TROY
State	NY
Zip	12180-4795
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	MU1
Legal Description	2 STY BR HSE 77-20/85
Legal Block	12
Legal Lot Number	5.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	3
Census Block	3005
Census Tract	40900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	415 BRUNSWICK DR, 3, TROY, NY 12180-6651
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2025	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 14, 2020	Warranty Deed, Transfer MARATHON TITLE AGENCY INC, MARATHON TITLE AGCY INC
Jan 10, 2019	Warranty Deed, Construction Loan · Construction Mortgage GERALD W POTTER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2025 · Amount on Record
Deed Sale	Jul 8, 2025 · Amount on Record
Prior Sale	Jan 10, 2019 · Amount on Record
Deed Book / Page	11000 / 10
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jul 8, 2025
Property Address	321 4TH ST, TROY, NY 12180-4795
Document Number	0110000010
Book / Page	11000 / 10
Instrument Date	Jul 2, 2025
Instrument	2025-658180
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	NEW MILLENNIUM TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	415 BRUNSWICK DR APT 3, 3, TROY, NY 12180-6651

Mortgage

Document Number	2025658181
Date	Jul 8, 2025
Instrument	2025-658181

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Oct 14, 2020
Property Address	321 4TH ST, TROY, NY 12180-4795
Document Number	0000576104
Book / Page	009316 / 000230
Instrument Date	Sep 18, 2020
Instrument	576104
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	MARATHON TITLE AGENCY INC, MARATHON TITLE AGCY INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	245 MARSHALL AVE SCHENECTADY NY 123042019, SCHENECTADY, NY 12304-2019

January 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jan 10, 2019
Property Address	321 4TH ST, TROY, NY 12180-4795
Document Number	0000545493
Book / Page	008729 / 000285
Instrument Date	Dec 28, 2018
Instrument	545493
Transaction Type	Construction Loan
Record Updated	Apr 24, 2019
Title Company	MARATHON TITLE AGENCY INC, MARATHON TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 MARSHALL AVE SCHENECTADY NY 123042019, SCHENECTADY, NY 12304-2019
Investor	Possibly a Property Investor

Mortgage

Document Number	545494
Date	Jan 10, 2019
Book Page	008729/000288
Instrument	545494

Lender

Name	GERALD W POTTER
Address	2308 STATE ROUTE 67, JOHNSONVILLE, NY 12094-3920
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 9, 2020

Interest

Rate	7%

Tax Assessment & Valuation

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	$3,456.00 (-45.65%)
2025	$6,359.00 (+48.71%)	$77,000 (-) Land $8,800 Building $68,200	$131,800 (+19.82%) Land $15,063 Building $116,737
2023		$77,000 (-) Land $8,800 Building $68,200	$110,000 (+8.57%) Land $12,571 Building $97,429
2022	$4,276.00	$77,000 Land $8,800 Building $68,200	$101,316 Land $11,579 Building $89,737

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

Flood

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 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	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

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	TROY CITY PWS serves 51,401 people · EPA ID NY4100050
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	110 ppb (2026) action level 15 ppb

Violations Reported to EPA

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, 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 533 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
Starlink Satellite	280 / 30

May also be available: Massivemesh Networks.

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