412 2nd St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 412 2nd St, Troy, NY 12180

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,256 sqft · built 1890
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (May 2026)
Tax Bill	$8,633 (2026)
Deeds & Mortgages	Apr 2025 Mortgage May 2026 Sale & Mortgage + 1 more
APN	`381700 111.44-3-31`

Property Details

APN / Parcel Number

Primary APN	`381700 111.44-3-31`
Alternative APN	`1204530`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,256 sqft Total Area
1st Floor Area	1,122 sqft
2nd Floor Area	1,134 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	130 ft deep x 25 ft wide
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1204530
Street Address	412 2ND ST
City	TROY
State	NY
Zip	12180-5309
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MF
Legal Description	2 STY FR HSE 33-2/232
Legal Block	3
Legal Lot Number	31.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	2
Census Block	2004
Census Tract	41000

Owner

412 2nd St, a duplex, is owned by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	191 STANHOPE ST, 1L, BROOKLYN, NY 11237-4119
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
Apr 22, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 15, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage AMERICAN NBRHD MORTGAGE ACCPTNC
Jul 20, 2022	Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on File
Deed Sale	May 15, 2026 · Amount on File
Prior Sale	Jul 20, 2022 · Amount on File
Deed Document Number	20262026-671300
Deed Book / Page	11273 / 231
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	412 2ND ST, TROY, NY 12180-5309
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109400134
Date	Apr 22, 2025
Book Page	10940/134
Instrument	2025-655209

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	May 1, 2052

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	May 15, 2026
Property Address	412 2ND ST, TROY, NY 12180-5309
Document Number	0112730231
Book / Page	11273 / 231
Instrument Date	Apr 27, 2026
Instrument	2026671300
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

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

Mortgage

Date	May 15, 2026

Lender

Name	AMERICAN NBRHD MORTGAGE ACCPTNC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate	6.46%
Max Rate	-1%

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jul 20, 2022
Property Address	412 2ND ST, TROY, NY 12180-5309
Document Number	0101250097
Book / Page	10125 / 97
Instrument Date	Jul 14, 2022
Instrument	2022-614162
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	NEW MILLENNIUM TITLE GROUP

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	394 MOUNTAIN ST # 1, 1, ALBANY, NY 12209-1802

Mortgage

Document Number	2022614163
Date	Jul 20, 2022
Instrument	2022-614163

Lender

Name	PREMIUM MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 412 2nd St was $8,633, up 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	$8,633.00 (+46.97%)
2025	$5,874.00	$80,000 Land $8,800 Building $71,200	$137,000 Land $15,070 Building $121,930
2023		$80,000 (-) Land $8,800 Building $71,200	$114,300 (+8.59%) Land $12,573 Building $101,727
2022	$3,016.00 Homeowner's exemption	$80,000 Land $8,800 Building $71,200	$105,263 Land $11,579 Building $93,684

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 412 2nd St; there have been 28 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 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	28 (1979–2021)
Claims Outside the SFHA	2 of 28
Most Recent Claim	Mar 2021 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 9 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 412 2nd 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 491 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 · Fiber in parts of the area	300 / 20
Starlink Satellite	280 / 30

May also be available: Massivemesh Networks.

Nearby Properties on 2nd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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