481 7th Ave, Troy, NY 12182 Property Records

Rensselaer County and Troy City property record for 481 7th Ave, Troy, NY 12182

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,416 sqft · built 1909
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jul 2026)
Tax Bill	$4,675 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2019 Sale & Mortgage
APN	`381700 80.72-1-3`

Property Details

APN / Parcel Number

Primary APN	`381700 80.72-1-3`
Alternative APN	`1609390`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,416 sqft Living Area
1st Floor Area	936 sqft
Upper Floors Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1609390
Street Address	481 7TH AVE
City	TROY
State	NY
Zip	12182-2834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TF
Legal Description	1.5 STY FR HSE & 1C GAR 282-14 9-82/275
Legal Block	1
Legal Lot Number	3.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	4
Census Block	4013
Census Tract	40200

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	Individual Name on Record
Mailing Address	112 2ND AVE, 2, TROY, NY 12180-1169
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage PREMIUM MORTGAGE
Sep 19, 2019	Warranty Deed, Transfer · Conventional with PMI SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	Sep 19, 2019 · Amount on Record
Deed Document Number	2026673494
Deed Book / Page	11319 / 99
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jul 14, 2026
Property Address	481 7TH AVE, TROY, NY 12182-2834
Document Number	0000673494
Book / Page	11319 / 99
Instrument Date	Jul 1, 2026
Instrument	2026673494
Transaction Type	Transfer
Record Updated	Aug 5, 2026

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

Mortgage

Date	Jul 14, 2026

Lender

Name	PREMIUM MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Sep 19, 2019
Property Address	481 7TH AVE, TROY, NY 12182-2834
Document Number	0000557331
Book / Page	008947 / 000188
Instrument Date	Sep 19, 2019
Instrument	557331
Transaction Type	Transfer
Record Updated	Oct 7, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 6TH AVE #B403 TROY NY 121803432, B403, TROY, NY 12180-3432

Mortgage

Document Number	557332
Date	Sep 19, 2019
Book Page	008947/000192
Instrument	557332

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

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	Lansingburgh Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,675.00 (+1.28%)
2025	$4,616.00 (+4.81%)	$101,000 (-) Land $14,000 Building $87,000	$172,900 (+19.82%) Land $23,966 Building $148,934
2023		$101,000 (-) Land $14,000 Building $87,000	$144,300 (+8.58%) Land $20,002 Building $124,298
2022	$4,404.00	$101,000 Land $14,000 Building $87,000	$132,895 Land $18,421 Building $114,474

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	3 in force
Nearby Flood Claims	5 (1996–2011)
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims Severe Storms And Flooding, Jan 1996 · 2 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

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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