498 State Rte 40, Troy, NY 12182 Property Records

Rensselaer County and Schaghticoke Town property record for 498 State Rte 40, Troy, NY 12182 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1970
Square Footage	1,322 sqft Living Area
Lot Size	18,295 sqft (0.42 acres)
Occupancy	Owner Occupied
Last Sale	$190,000 (2019)
Tax Bill	$7,197.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`384289 61.1-3-13`
Alternative APN	`315J185310`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,322 sqft Living Area
1st Floor	1,322 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Raised Ranch Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	18,295 sqft (0.42 acres)
Depth X Width	173 ft x 135 ft Depth x Width
Garage Type	Basement Garage
Pool Type	In-Ground Vinyl Pool Pool Type
Shed	1 Shed
Porch Area	200 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	315J185310
Street Address	498 STATE ROUTE 40
City	TROY
State	NY
Zip	12182-3802
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	13.000
Jurisdiction	RENSSELAER NY
Minor Civil Division	SCHAGHTICOKE
Census Blockgroup	1
Census Block	1024
Census Tract	51902

Owner

Source: Rensselaer County and Schaghticoke Town records · APN 384289 61.1-3-13

Assessment roll updated May 15, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	498 STATE ROUTE 40, TROY, NY 12182-3802
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 12, 2019 · Amount on Record
Deed Sale	Dec 12, 2019 · Amount on Record
Deed Doc Number	2019561671
Deed Book / Page	9034 / 46
Record Refreshed	Jun 08, 2026

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Dec 12, 2019
Property Address	498 STATE ROUTE 40, TROY, NY 12182-3802
Document Number	0000561671
Book / Page	009034 / 000046
Instrument Date	Dec 02, 2019
Instrument	561671
Transaction Type	Transfer
Record Updated	Jan 06, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	59 119TH ST TROY NY 121822303, TROY, NY 12182-2303

Mortgage

Document Number	561672
Date	Dec 12, 2019
Book Page	009034/000052
Instrument	561672

Lender

Name	TOTAL MTG SVCS
Type	Mortgage Company
Address	MILFORD, CT 06461

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2049

Tax Assessment & Valuation

Source: Rensselaer County and Schaghticoke Town records · Assessment roll updated May 15, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Rensselaer County
County Subdivision	Schaghticoke Town
Unified School District	Lansingburgh Central School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,197.00	$46,000 (-) Land $11,900 Building $34,100	$323,034 (+12.71%) Land $83,567 Building $239,467
2023		$46,000 Land $11,900 Building $34,100	$286,604 Land $74,143 Building $212,461

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rensselaer County (36083C), updated January 12, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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