487 2nd St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 487 2nd St, Troy, NY 12180

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 2,392 sqft · built 1890
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Nov 2018)
Tax Bill	$7,732 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2018 Sale + 1 more
APN	`381700 111.44-6-22`

Property Details

APN / Parcel Number

Primary APN	`381700 111.44-6-22`
Alternative APN	`1204220`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,392 sqft Living Area
Gross Area	2,024 sqft
1st Floor Area	1,196 sqft
2nd Floor Area	1,196 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	86.9 ft deep x 27.5 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1204220
Street Address	487 2ND ST
City	TROY
State	NY
Zip	12180-5518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MF
Legal Description	2 STY BR HSE & BR GAR 28-19/43
Legal Block	6
Legal Lot Number	22.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	2
Census Block	2009
Census Tract	41000

Owner

Source: Rensselaer County and Troy City records, as of October 19, 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	487 2ND ST, TROY, NY 12180-5518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed of Trust, Mortgage HOMEBRIDGE FIN'L SVCS INC
Nov 7, 2018	Grant Deed, Transfer
Mar 1, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2018 · Amount on Record
Deed Sale	Nov 7, 2018 · Amount on Record
Prior Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	2018542520
Deed Book / Page	8676 / 236
Prior Transfer Date	Sep 19, 2016
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	487 2ND ST, TROY, NY 12180-5518
Document Number	0000580940
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	RAM ABS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	487 2ND ST TROY NY 121805518, TROY, NY 12180-5518

Mortgage

Document Number	0000580940
Date	Jan 4, 2021
Book Page	009415/000279
Instrument	580940

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2051

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Nov 7, 2018
Property Address	487 2ND ST, TROY, NY 12180-5518
Document Number	0086760236
Book / Page	008676 / 000236
Instrument Date	Nov 1, 2018
Transaction Type	Transfer
Record Updated	Dec 18, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 W 106TH ST NEW YORK NY 100253737, NEW YORK, NY 10025-3737

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Mar 1, 2017
Property Address	487 2ND ST, TROY, NY 12180-5518
Document Number	0081080040
Book / Page	008108 / 000040
Transaction Type	Transfer
Record Updated	Apr 18, 2017

Transaction

Amount	Amount Recorded
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 5TH AVE TROY NY 121801017, TROY, NY 12180-1017

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	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,732.00 (+10.33%)
2025	$7,008.00 (+22.78%)	$126,000 (-) Land $8,000 Building $118,000	$215,800 (+19.89%) Land $13,702 Building $202,098
2023		$126,000 (-) Land $8,000 Building $118,000	$180,000 (+8.57%) Land $11,429 Building $168,571
2022	$5,708.00	$126,000 Land $8,000 Building $118,000	$165,789 Land $10,526 Building $155,263

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 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 Record 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

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	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.

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