40 109th St, Troy, NY 12182 Property Records

Rensselaer County and Troy City property record for 40 109th St, Troy, NY 12182

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,872 sqft · built 1910
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$158,300 (Jan 2022)
Tax Bill	$6,610 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
APN	`381700 80.79-8-1`

Property Details

APN / Parcel Number

Primary APN	`381700 80.79-8-1`
Alternative APN	`1612800`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,872 sqft Total Area
1st Floor Area	1,436 sqft
2nd Floor Area	1,436 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	120 ft deep x 76 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	256 sqft
Porch	Porch
Porch Area	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1612800
Street Address	40 109TH ST
City	TROY
State	NY
Zip	12182-3127
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SF
Legal Description	2 STY BRK & FR HSE & 2C FR GAR 249-23/65
Legal Block	8
Legal Lot Number	1.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	3
Census Block	3028
Census Tract	40200

Owner

40 109th St, a duplex, is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 109TH ST, TROY, NY 12182-3127
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2022 · Amount on File
Deed Sale	Jan 21, 2022 · Amount on File
Deed Document Number	2022604224
Deed Book / Page	9908 / 111
Record Updated	Oct 29, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jan 21, 2022
Property Address	40 109TH ST, TROY, NY 12182-3127
Document Number	0099080111
Book / Page	9908 / 111
Instrument Date	Nov 19, 2021
Instrument	2022-604224
Transaction Type	Transfer
Record Updated	Feb 15, 2022

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
Relationship	Joint Tenants with Right of Survivorship
Address	1033 5TH AVE, TROY, NY 12180-4507

Mortgage

Document Number	2022604225
Date	Jan 21, 2022
Instrument	2022-604225

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 40 109th St was $6,610, up 24.7% 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	Lansingburgh Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,610.00 (+24.74%)
2025	$5,299.00	$103,400 Land $20,500 Building $82,900	$177,100 Land $35,112 Building $141,988
2023		$103,400 (-) Land $20,500 Building $82,900	$147,700 (+8.56%) Land $29,283 Building $118,417
2022	$7,503.00	$103,400 Land $20,500 Building $82,900	$136,053 Land $26,974 Building $109,079

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 40 109th St; there have been 3 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1979–1982)
Most Recent Claim	Mar 1982 · tidal / storm surge

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 40 109th 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 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hudson Valley Wireless.

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