490 3rd St, Albany, NY 12206 Property Records

Albany County and Albany City property record for 490 3rd St, Albany, NY 12206

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,188 sqft · built 1900
Lot Size	0.07 acres (3,048 sqft)
Owner	Individual Name on Record
Last Sale	$10,000 (Dec 2015)
Tax Bill	$2,196 (2026)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010100 65.39-1-57`

Property Details

APN / Parcel Number

Primary APN	`010100 65.39-1-57`
Alternative APNs	`010006503900010570000000` `06503900010570000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	1,056 sqft
Upper Floors Area	132 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	3,048 sqft (0.07 acres)
Lot Dimensions	127 ft deep x 25 ft wide
Porch	Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	06503900010570000000
Street Address	490 3RD ST
City	ALBANY
State	NY
Zip	12206-2422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2A
Legal Description	2 WOOD 1007023
Legal Block	1
Legal Lot Number	57.000
Jurisdiction	ALBANY NY
Township / Civil Division	ALBANY
Census Block Group	1
Census Block	1002
Census Tract	301

Owner

Source: Albany County and Albany 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	493 3RD ST, ALBANY, NY 12206-2423
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2015 · Amount on Record
Deed Sale	Dec 28, 2015 · Amount on Record
Deed Document Number	20153756
Prior Transfer Date	Dec 21, 2015
Prior Transfer Doc	0000003756
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	490 3RD ST, ALBANY, NY 12206-2422
Document Number	0000020464
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 3RD ST ALBANY NY 122062422, ALBANY, NY 12206-2422

Mortgage

Document Number	0000020464
Date	Sep 30, 2019
Instrument	20464

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 29, 2044

Interest

Rate Type	Adjustable Rate

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	$2,196.00 (-8.12%)
2025		$79,000 (+31.67%) Land $15,800 Building $63,200	$82,292 (-2.85%) Land $16,458 Building $65,834
2023		$60,000 (-) Land $13,400 Building $46,600	$84,710 (+12.55%) Land $18,919 Building $65,791
2022		$60,000 Land $13,400 Building $46,600	$75,263 Land $16,809 Building $58,454
2021	$2,390.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 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 723 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: T-Mobile.

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