496 4th St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 496 4th St, Troy, NY 12180

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,744 sqft · built 1910
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$184,300 (Jan 2020)
Tax Bill	$3,313 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2020 Sale & Mortgage + 1 more
APN	`381700 111.44-5-7`

Property Details

APN / Parcel Number

Primary APN	`381700 111.44-5-7`
Alternative APN	`1201750`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,744 sqft Total Area
1st Floor Area	1,364 sqft
2nd Floor Area	1,380 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Porch	Slab
Porch Area	120 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1201750
Street Address	496 4TH ST
City	TROY
State	NY
Zip	12180-5327
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MU1
Legal Block	5
Legal Lot Number	7.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	2
Census Block	2001
Census Tract	40900

Owner

496 4th St, a duplex, is owned by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	37 MERCER ST, ALBANY, NY 12203-3616
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jan 17, 2020	Warranty Deed, Transfer · FHA Mortgage PREMIUM MTG
Aug 23, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2020 · Amount on File
Deed Sale	Jan 17, 2020 · Amount on File
Prior Sale	May 27, 1998 · Amount on File
Deed Document Number	202020-563275
Deed Book / Page	9064 / 1
Prior Transfer Date	Jan 22, 2016
Prior Transfer Doc	0077200187
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	496 4TH ST, TROY, NY 12180-5327
Transaction Type	Mortgage
Record Updated	Nov 9, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097890167
Date	Oct 19, 2021
Book Page	9789/167
Instrument	2021-598536

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Nov 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jan 17, 2020
Property Address	496 4TH ST, TROY, NY 12180-5327
Document Number	0000563275
Book / Page	009064 / 000001
Instrument Date	Jan 13, 2020
Instrument	563275
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	KCS LAND RESEARCH CORPORATION, KCS LAND RESEARCH CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$737.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 MERCER ST ALBANY NY 122033616, ALBANY, NY 12203-3616

Mortgage

Document Number	563276
Date	Jan 17, 2020
Book Page	009064/000004
Instrument	563276

Lender

Name	PREMIUM MTG
Type	Mortgage Company
Address	ROCHESTER, NY 14618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2050

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RENSSELAER NY
Recording Date	Aug 23, 2019
Property Address	496 4TH ST, TROY, NY 12180-5327
Document Number	0000555991
Book / Page	008923 / 000239
Instrument Date	Jul 30, 2019
Instrument	555991
Transaction Type	Transfer
Record Updated	Sep 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 9TH ST #503 HOBOKEN NJ 070302187, 503, HOBOKEN, NJ 07030-2187

Tax Assessment & Valuation

The 2026 property tax bill for 496 4th St was $3,313, down 22% from the year before.

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	$3,313.00 (-22.05%)
2025	$4,250.00	$91,000 Land $16,000 Building $75,000	$155,800 Land $27,393 Building $128,407
2023		$91,000 (-) Land $16,000 Building $75,000	$130,000 (+8.57%) Land $22,857 Building $107,143
2022	$4,122.00	$91,000 Land $16,000 Building $75,000	$119,737 Land $21,053 Building $98,684

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

FEMA's flood maps do not cover 496 4th St.

Source: FEMA National Flood Hazard Layer, effective January 12, 2016

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 496 4th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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