328 4th St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 328 4th St, Troy, NY 12180

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,200 sqft · built 1909
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$139,900 (Jan 2023)
Tax Bill	$3,094 (2026)
Deeds & Mortgages	Jun 2025 Refinance Jun 2025 Refinance + 1 more
APN	`381700 112.21-4-24`

Property Details

APN / Parcel Number

Primary APN	`381700 112.21-4-24`
Alternative APN	`1101070`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,200 sqft Total Area
1st Floor Area	1,100 sqft
2nd Floor Area	1,100 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
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	1,050 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	66 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1101070
Street Address	328 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 & BARN 76-7/94
Legal Block	4
Legal Lot Number	24.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	3
Census Block	3004
Census Tract	40900

Owner

328 4th St, a duplex, is owned and occupied by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	328 4TH ST, TROY, NY 12180-4603
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTEAD FUNDING CORP
Jun 5, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTEAD FUNDING CORP
Jan 5, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2023 · Amount on File
Deed Sale	Jan 5, 2023 · Amount on File
Deed Document Number	2023622205
Deed Book / Page	10287 / 317
Prior Transfer Date	Nov 7, 2014
Prior Transfer Doc	0073190149
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	328 4TH ST, TROY, NY 12180-4603
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109770061
Date	Jun 5, 2025
Book Page	10977/61
Instrument	2025-657012

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Jul 1, 2054

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	328 4TH ST, TROY, NY 12180-4603
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109770080
Date	Jun 5, 2025
Book Page	10977/80
Instrument	2025-657013

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Jul 1, 2054

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jan 5, 2023
Property Address	328 4TH ST, TROY, NY 12180-4603
Document Number	0102870317
Book / Page	10287 / 317
Instrument Date	Dec 29, 2022
Instrument	2023-622205
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount 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	234 QUAIL ST # 1, 1, ALBANY, NY 12203-1222

Tax Assessment & Valuation

The 2026 property tax bill for 328 4th St was $3,094, down 22.1% 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	$3,094.00 (-22.07%)
2025	$3,970.00	$85,000 Land $8,800 Building $76,200	$145,500 Land $15,064 Building $130,436
2023		$85,000 (-) Land $8,800 Building $76,200	$121,400 (+8.55%) Land $12,568 Building $108,832
2022	$3,850.00	$85,000 Land $8,800 Building $76,200	$111,842 Land $11,579 Building $100,263

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 328 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 328 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.

Nearby Properties on 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures