322 4th St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 322 4th St, Troy, NY 12180

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,332 sqft · built 1890
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$222,000 (Jun 2021)
Tax Bill	$8,401 (2026)
Deeds & Mortgages	Jun 2025 Mortgage Jun 2021 Sale & Mortgage + 1 more
APN	`381700 101.77-13-7`

Property Details

APN / Parcel Number

Primary APN	`381700 101.77-13-7`
Alternative APN	`1101100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,332 sqft Total Area
1st Floor Area	1,166 sqft
2nd Floor Area	1,166 sqft
Game Room	Game Room

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	130 ft deep x 25 ft wide
Garage Type	Detached
Garage Area	550 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1101100
Street Address	322 4TH ST
City	TROY
State	NY
Zip	12180-4603
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MU1
Legal Description	2 STY BR HSE & FR GAR 76-4/88
Legal Block	13
Legal Lot Number	7.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	3
Census Block	3004
Census Tract	40900

Owner

322 4th St, a duplex, is owned by an individual who bought it in June 2021.

Source: Rensselaer County and Troy City records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	155 3RD ST, ALBANY, NY 12210-2526
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 4, 2021	Warranty Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CO
May 28, 2020	Court-Ordered Deed, Foreclosure SHAKER ABSTRACT AND TITLE LLC, SHAKER ABS & TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021 · Amount on File
Deed Sale	Jun 4, 2021 · Amount on File
Prior Sale	May 28, 2020 · Amount on File
Deed Document Number	2021590184
Deed Book / Page	9609 / 54
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	322 4TH ST, TROY, NY 12180-4603
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109870115
Date	Jun 17, 2025
Book Page	10987/115
Instrument	2025-657496

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Jul 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jun 4, 2021
Property Address	322 4TH ST, TROY, NY 12180-4603
Document Number	0096090054
Book / Page	9609 / 54
Instrument Date	May 27, 2021
Instrument	2021-590184
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
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	155 3RD ST, ALBANY, NY 12210-2526

Mortgage

Document Number	2021590185
Date	Jun 4, 2021
Instrument	2021-590185

Lender

Name	PREMIUM MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

May 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	RENSSELAER NY
Recording Date	May 28, 2020
Property Address	322 4TH ST, TROY, NY 12180-4603
Document Number	0000568818
Book / Page	009172 / 000032
Instrument Date	May 22, 2020
Instrument	568818
Transaction Type	Foreclosure
Record Updated	Jun 15, 2020
Title Company	SHAKER ABSTRACT AND TITLE LLC, SHAKER ABS & TITLE LLC

Transaction

Amount	Amount on Record
Tax	$172.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 12TH AVE WATERVLIET NY 121892403, WATERVLIET, NY 12189-2403

Tax Assessment & Valuation

The 2026 property tax bill for 322 4th St was $8,401, down 11.3% 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	$8,401.00 (-11.32%)
2025	$9,473.00	$118,000 Land $8,800 Building $109,200	$202,100 Land $15,072 Building $187,028
2023		$118,000 (-) Land $8,800 Building $109,200	$168,600 (+8.59%) Land $12,574 Building $156,026
2022	$4,730.00	$118,000 Land $8,800 Building $109,200	$155,263 Land $11,579 Building $143,684

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 322 4th 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 322 4th 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.

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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