490 7th Ave, Troy, NY 12182 Property Records

Rensselaer County and Troy City property record for 490 7th Ave, Troy, NY 12182

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,672 sqft · built 1890
Lot Size	0.14 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$175,000 (Oct 2023)
Tax Bill	$4,351 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Nov 2019 Line of Credit
APN	`381700 80.72-2-1`

Property Details

APN / Parcel Number

Primary APN	`381700 80.72-2-1`
Alternative APN	`1610090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,672 sqft Total Area
1st Floor Area	836 sqft
2nd Floor Area	836 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	357 sqft
Porch	Porch
Porch Area	480 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1610090
Street Address	490 7TH AVE
City	TROY
State	NY
Zip	12182-2835
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TF
Legal Description	2 STY FR HSE & 2C FR GAR 281-4/301
Legal Block	2
Legal Lot Number	1.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	4
Census Block	4014
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	Company Name on Record
Mailing Address	PO BOX 15, EAST GREENBUSH, NY 12061-0015
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
Nov 27, 2019	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Prior Sale	Apr 26, 2005 · Amount on Record
Deed Book / Page	10511 / 89
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Oct 17, 2023
Property Address	490 7TH AVE, TROY, NY 12182-2835
Document Number	0105110089
Book / Page	10511 / 89
Instrument Date	Oct 5, 2023
Instrument	2023-633656
Transaction Type	Transfer
Record Updated	Nov 7, 2023

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
Address	1257 GLENWOOD BLVD, SCHENECTADY, NY 12308-2505

Mortgage

Document Number	2023633657
Date	Oct 17, 2023
Instrument	2023-633657

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	490 7TH AVE, TROY, NY 12182-2835
Document Number	0000561414
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 7TH AVE TROY NY 121822835, TROY, NY 12182-2835

Mortgage

Document Number	0000561414
Date	Dec 9, 2019
Book Page	009027/000246
Instrument	561414

Lender

Name	CAPITAL COMMUNICATIONS FCU
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 8, 2039

Interest

Rate Type	Adjustable Rate

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	$4,351.00 (+1.28%)
2025	$4,296.00 (+20.88%)	$94,000 (-) Land $14,000 Building $80,000	$161,000 (+19.88%) Land $23,979 Building $137,021
2023		$94,000 (-) Land $14,000 Building $80,000	$134,300 (+8.58%) Land $20,002 Building $114,298
2022	$3,554.00 Homeowner's exemption	$94,000 Land $14,000 Building $80,000	$123,684 Land $18,421 Building $105,263

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
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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