4 Westover Rd, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 4 Westover Rd, Troy, NY 12180

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,070 sqft · built 1910
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$501,007 (Aug 2022)
Tax Bill	$13,710 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
APN	`381700 112.32-1-4`

Property Details

APN / Parcel Number

Primary APN	`381700 112.32-1-4`
Alternative APN	`0515780`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,070 sqft Living Area
1st Floor Area	1,396 sqft
2nd Floor Area	1,236 sqft
Upper Floors Area	438 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	179 ft deep x 151 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0515780
Street Address	4 WESTOVER RD
City	TROY
State	NY
Zip	12180-4730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	2 STY FR HSE & GAR 474B-13/4A
Legal Block	1
Legal Lot Number	4.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	4
Census Block	4002
Census Tract	41200

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	2 Individual Names on Record
Mailing Address	4 WESTOVER RD, TROY, NY 12180-4730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage STATE EMPLOYEES FCU
May 20, 2020	Grant Deed, Transfer · Conventional Mortgage HOMESTEAD FNDG
Nov 2, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2022 · Amount on Record
Deed Sale	Aug 25, 2022 · Amount on Record
Prior Sale	Nov 2, 2018 · Amount on Record
Deed Document Number	2022615991
Deed Book / Page	10164 / 11
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Aug 25, 2022
Property Address	4 WESTOVER RD, TROY, NY 12180-4730
Document Number	0101640011
Book / Page	10164 / 11
Instrument Date	Jul 21, 2022
Instrument	2022-615991
Transaction Type	Transfer
Record Updated	Sep 20, 2022

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	76 SCHUYLER ST, LAKE GEORGE, NY 12845-1311

Mortgage

Document Number	2022615993
Date	Aug 25, 2022
Instrument	2022-615993

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.7%
Type Change Date	Aug 1, 2032
Max Rate At Change	2.7%
Index	Other

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	May 20, 2020
Property Address	4 WESTOVER RD, TROY, NY 12180-4730
Document Number	0000568457
Book / Page	009165 / 000089
Instrument Date	May 11, 2020
Instrument	568457
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,460.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4 W 2ND ST #9 NEW YORK NY 10010, 9, NEW YORK, NY 10010

Mortgage

Document Number	568458
Date	May 20, 2020
Book Page	009165/000093
Instrument	568458

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Nov 2, 2018
Property Address	4 WESTOVER RD, TROY, NY 12180-4730
Document Number	0086720310
Book / Page	008672 / 000310
Instrument Date	Oct 30, 2018
Transaction Type	Transfer
Record Updated	Dec 18, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WESTOVER RD TROY NY 121804730, TROY, NY 12180-4730

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	$13,710.00 (+2.28%)
2025	$13,405.00 (+3.1%)	$287,000 (-) Land $25,300 Building $261,700	$491,400 (+19.85%) Land $43,319 Building $448,081
2023		$287,000 (-) Land $25,300 Building $261,700	$410,000 (+8.57%) Land $36,143 Building $373,857
2022	$13,002.00	$287,000 Land $25,300 Building $261,700	$377,632 Land $33,290 Building $344,342

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 12, 2016

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 322 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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