378 4th St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 378 4th St, Troy, NY 12180

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 1,648 sqft · built 1910
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Dec 2022)
Tax Bill	$3,833 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2023 Sale + 2 more
APN	`381700 112.21-12-12`

Property Details

APN / Parcel Number

Primary APN	`381700 112.21-12-12`
Alternative APN	`0901850`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,648 sqft Total Area
1st Floor Area	810 sqft
2nd Floor Area	838 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
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	480 sqft
Porch	Slab
Porch Area	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0901850
Street Address	378 4TH ST
City	TROY
State	NY
Zip	12180-4919
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MU1
Legal Block	12
Legal Lot Number	12.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	3
Census Block	3015
Census Tract	40900

Owner

378 4th St, a duplex, is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	378 4TH ST, TROY, NY 12180-4919
Occupancy	Owner Occupied
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
Oct 9, 2025	Deed, Transfer TRUSTCO BANK
Apr 26, 2023	Deed, Transfer
Dec 13, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage TRUSTCO BANK
Jan 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNMARK CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2022 · Amount on File
Deed Sale	Dec 13, 2022 · Amount on File
Prior Sale	Nov 16, 2016 · Amount on File
Deed Document Number	2022621174
Deed Book / Page	10267 / 18
Prior Transfer Date	Mar 25, 2016
Prior Transfer Doc	0077840331
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	RENSSELAER NY
Recording Date	Oct 9, 2025
Property Address	378 4TH ST, TROY, NY 12180-4919
Document Number	0110850099
Book / Page	11085 / 99
Instrument Date	Sep 30, 2025
Instrument	2025-662264
Transaction Type	Transfer
Record Updated	Nov 5, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025662265
Date	Oct 9, 2025
Instrument	2025-662265

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2050

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	RENSSELAER NY
Recording Date	Apr 26, 2023
Property Address	378 4TH ST, TROY, NY 12180-4919
Document Number	0103730164
Book / Page	10373 / 164
Instrument Date	Apr 21, 2023
Instrument	2023-626635
Transaction Type	Transfer
Record Updated	May 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 CLARK HILL DR, NORTH EASTON, MA 02356-2248

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Dec 13, 2022
Property Address	378 4TH ST, TROY, NY 12180-4919
Document Number	0102670018
Book / Page	10267 / 18
Instrument Date	Dec 7, 2022
Instrument	2022-621174
Transaction Type	Transfer
Record Updated	Jan 3, 2023

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	22 CLARK HILL DR, NORTH EASTON, MA 02356-2248

Mortgage

Document Number	2022621175
Date	Dec 13, 2022
Instrument	2022-621175

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	378 4TH ST, TROY, NY 12180-4919
Document Number	0000563107
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	53 N LAKE AVE ALBANY NY 122062514, ALBANY, NY 12206-2514

Mortgage

Document Number	0000563107
Date	Jan 14, 2020
Book Page	009060/000290
Instrument	563107

Lender

Name	SUNMARK CU
Address	1187 TROY SCHENECTADY RD, LATHAM, NY 12110-1086

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 13, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 378 4th St was $3,833, down 47% 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	$3,833.00 (-47%)
2025	$7,232.00	$90,000 (-) Land $8,800 Building $81,200	$154,100 (+11.26%) Land $15,068 Building $139,032
2024		$90,000 (-) Land $8,800 Building $81,200	$138,500 (+7.7%) Land $13,542 Building $124,958
2023		$90,000 (-) Land $8,800 Building $81,200	$128,600 (+8.6%) Land $12,574 Building $116,026
2022	$4,077.00	$90,000 Land $8,800 Building $81,200	$118,421 Land $11,579 Building $106,842

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 378 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 378 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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