326 3rd St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 326 3rd St, Troy, NY 12180

Property Summary

Property Type	Triplex
Details	11 bd · 3 ba · 4,260 sqft · built 1910
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Aug 2025)
Tax Bill	$6,688 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Mar 2019 Sale
APN	`381700 112.21-11-26`

Property Details

APN / Parcel Number

Primary APN	`381700 112.21-11-26`
Alternative APN	`0904490`

Interior

Bedrooms	11 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	4,260 sqft Total Area
1st Floor Area	1,420 sqft
2nd Floor Area	1,420 sqft
Upper Floors Area	1,420 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
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	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	528 sqft
Patio Area	275 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0904490
Street Address	326 3RD ST
City	TROY
State	NY
Zip	12180-4916
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	MF
Legal Description	3 STY BK HSE 55-3/126
Legal Block	11
Legal Lot Number	26.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	3
Census Block	3024
Census Tract	40900

Owner

326 3rd St, a triplex, is owned by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	878 W GATE, VALLEY STREAM, NY 11580-1553
Owner Type	Individual
Vesting	Individual(s)

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
Aug 12, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
Mar 4, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2025 · Amount on File
Deed Sale	Aug 12, 2025 · Amount on File
Deed Book / Page	11035 / 108
Prior Transfer Date	Jun 8, 2006
Prior Transfer Doc	0035620001
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Aug 12, 2025
Property Address	326 3RD ST, TROY, NY 12180-4916
Document Number	0110350108
Book / Page	11035 / 108
Instrument Date	Aug 1, 2025
Instrument	2025-659848
Transaction Type	Transfer
Record Updated	Apr 3, 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	878 W GATE, VALLEY STREAM, NY 11580-1553

Mortgage

Document Number	2025659849
Date	Aug 12, 2025
Instrument	2025-659849

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Type Change Date	Aug 1, 2035
Index	Other
Margin	3

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Mar 4, 2019
Property Address	326 3RD ST, TROY, NY 12180-4916
Document Number	0000547873
Book / Page	008771 / 000212
Instrument Date	Dec 13, 2018
Instrument	547873
Transaction Type	Transfer
Record Updated	May 6, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1183 VAN CURLER AVE SCHENECTADY NY 123082604, SCHENECTADY, NY 12308-2604

Tax Assessment & Valuation

The 2026 property tax bill for 326 3rd St was $6,688, up 2.3% 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	$6,688.00 (+2.28%)
2025	$6,539.00	$140,000 (-) Land $8,800 Building $131,200	$239,700 (+11.28%) Land $15,067 Building $224,633
2024		$140,000 (-) Land $8,800 Building $131,200	$215,400 (+7.7%) Land $13,539 Building $201,861
2023		$140,000 (-) Land $8,800 Building $131,200	$200,000 (+8.57%) Land $12,571 Building $187,429
2022	$6,342.00	$140,000 Land $8,800 Building $131,200	$184,211 Land $11,579 Building $172,632

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

Flood

FEMA's flood maps do not cover 326 3rd 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 326 3rd 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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