45 Summit Ave, Albany, NY 12209 Property Records

Albany County and Albany City property record for 45 Summit Ave, Albany, NY 12209

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,638 sqft · built 1910
Lot Size	0.112 acres (4,900 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Mar 2021)
Tax Bill	$6,460 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010100 76.53-1-47`

Property Details

APN / Parcel Number

Primary APN	`010100 76.53-1-47`
Alternative APNs	`010007605300010470000000` `07605300010470000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,638 sqft Total Area
1st Floor Area	1,319 sqft
2nd Floor Area	1,319 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,900 sqft (0.112 acres)
Lot Dimensions	140 ft deep x 35.4 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	638 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07605300010470000000
Street Address	45 SUMMIT AVE
City	ALBANY
State	NY
Zip	12209-1613
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2A
Legal Description	2 1/2 WD-COMP & 2 CON GAR BON EX 0403903
Legal Block	1
Legal Lot Number	47.000
Jurisdiction	ALBANY NY
Township / Civil Division	ALBANY
Census Block Group	1
Census Block	1002
Census Tract	2000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	45 SUMMIT AVE, ALBANY, NY 12209-1613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU
Oct 19, 2023	Warranty Deed, Transfer
Jun 6, 2018	Warranty Deed, Transfer CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2021 · Amount on File
Deed Sale	Mar 17, 2021 · Amount on File
Prior Sale	Oct 6, 2015 · Amount on File
Deed Document Number	20218221
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	45 SUMMIT AVE, ALBANY, NY 12209-1613
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008222
Date	Mar 17, 2021
Instrument	R2021-08222

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4.5%
Index	1-Year CMT
Margin	3
Max Rate	8.5%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Oct 19, 2023
Property Address	45 SUMMIT AVE, ALBANY, NY 12209-1613
Document Number	0000008758
Instrument Date	Mar 30, 2023
Instrument	R2023-18758
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount on Record
Tax	$1,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	152 S ALLEN ST, ALBANY, NY 12208-2101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SUMMIT AVE, ALBANY, NY 12209-1613

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Jun 6, 2018
Property Address	45 SUMMIT AVE, ALBANY, NY 12209-1613
Document Number	0000012318
Instrument Date	May 22, 2018
Instrument	12318
Transaction Type	Transfer
Record Updated	Jul 18, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	206 MORTON AVE ALBANY NY 122021416, ALBANY, NY 12202-1416

Mortgage

Document Number	12319
Date	Jun 6, 2018
Instrument	12319

Lender

Name	CAPITAL COMMUNICATIONS FCU
Address	ALBANY, NY 12205

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

Source: Albany County and Albany City assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
Municipality	Albany City
Unified School District	Albany City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,460.00 (-11.15%)
2025		$239,000 (+29.19%) Land $47,800 Building $191,200	$248,958 (-4.68%) Land $49,792 Building $199,166
2023		$185,000 (-) Land $38,600 Building $146,400	$261,189 (+12.55%) Land $54,497 Building $206,692
2022		$185,000 Land $38,600 Building $146,400	$232,062 Land $48,419 Building $183,643
2021	$7,271.00

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 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	10 (2018–2026)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Jul 2026 · rainfall accumulation

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

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	None beyond 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	ALBANY CITY serves 98,000 people · EPA ID NY0100189
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	13 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 1,081 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
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile.

Nearby Properties on Summit Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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