Albany County and Colonie Town property record for 45 Jared Ct, Cohoes, NY 12047
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2 ba · 1,758 sqft · built 2018 |
| Lot Size | 0.01 acres (436 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,674 (2026) |
| Deeds & Mortgages | Nov 2020 Sale Apr 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 9.4-4-40.-45 |
| Primary APN | 012689 9.4-4-40.-45 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,758 sqft Living Area |
| 1st Floor Area | 145 sqft |
| 2nd Floor Area | 1,613 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 436 sqft (0.01 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00900400040400000045 |
|---|---|
| Street Address | 45 JARED CT |
| City | COHOES |
| State | NY |
| Zip | 12047-4317 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | 26 |
| Legal Block | 4 |
| Legal Lot Number | 40.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 13503 |
45 Jared Ct, a townhouse, is owned and occupied by two individuals who acquired it in November 2025.
Source: Albany County and Colonie Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 JARED CT, COHOES, NY 12047-4317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 4, 2020 | Grant Deed, Subdivision Related Transfer ATTORNEY ONLY |
| Apr 17, 2020 | Loan Modification, Mortgage · Conventional with PMI BALLSTON SPA NAT'L BK |
| Apr 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BALLSTON SPA NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 18, 2025 |
| Transfer Doc | 0000021084 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Nov 4, 2020 |
| Property Address | 45 JARED CT, COHOES, NY 12047-4317 |
| Document Number | 0000025469 |
| Instrument Date | Oct 14, 2020 |
| Instrument | 25469 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 4, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,168.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | PO BOX 432 FINEVIEW NY 136400432, FINEVIEW, NY 13640-0432 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 45 JARED CT, COHOES, NY 12047-4317 |
| Document Number | 0000012818 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 JARED CT COHOES NY 120474317, COHOES, NY 12047-4317 |
| Document Number | 0000012818 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 12818 |
| Name | BALLSTON SPA NAT'L BK |
|---|---|
| Type | Bank |
| Address | BALLSTON SPA, NY 12020 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 29, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 45 JARED CT, COHOES, NY 12047-4317 |
| Document Number | 0000012817 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 JARED CT COHOES NY 120474317, COHOES, NY 12047-4317 |
| Document Number | 0000012817 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 12817 |
| Name | BALLSTON SPA NAT'L BK |
|---|---|
| Type | Bank |
| Address | BALLSTON SPA, NY 12020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 29, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
The 2026 property tax bill for 45 Jared Ct was $3,674, down 4.1% from the year before.
Source: Albany County and Colonie Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Colonie Town |
| Unified School District | North Colonie Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,674.00 (-4.1%) | ||
| 2025 | $3,831.00 | $85,000 Building $85,000 | $194,500 Building $194,500 |
| 2023 | $85,000 Building $85,000 | $166,700 Building $166,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Jared Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1979–1996) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
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 risk around 45 Jared Ct is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198 |
|---|---|
| Water Source | Surface water |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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