646 River St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 646 River St, Troy, NY 12180

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 3,578 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	Company Name on File
Last Sale	$220,000 (Aug 2019)
Tax Bill	$7,847 (2026)
Deeds & Mortgages	Feb 2024 Refinance Aug 2019 Sale & Mortgage + 2 more
APN	`381700 90.78-4-31`

Property Details

APN / Parcel Number

Primary APN	`381700 90.78-4-31`
Alternative APN	`1005980`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	3,578 sqft Total Area
1st Floor Area	1,188 sqft
2nd Floor Area	1,195 sqft
Upper Floors Area	1,195 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	74.3 ft deep x 25 ft wide
Porch	Slab
Porch Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1005980
Street Address	646 RIVER ST
City	TROY
State	NY
Zip	12180-1556
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	WMU
Legal Description	3 STY BRK HSE 180-14/NPT 72
Legal Block	4
Legal Lot Number	31.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	2
Census Block	2010
Census Tract	40400

Owner

646 River St, a triplex, is owned by a company that bought it in August 2019.

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

Owner of Record	Company Name on File
Mailing Address	1 HUGHSON PL, ALBANY, NY 12211-2024
Owner Type	Company
Vesting	Company

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
Feb 20, 2024	Warranty Deed, Transfer · Stand-Alone Refinance FIRST NEW YORK FCU
Aug 15, 2019	Grant Deed, Transfer · FHA Mortgage HOMESTEAD FNDG
Mar 20, 2017	Grant Deed, Transfer
Mar 20, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2019 · Amount on File
Deed Sale	Aug 15, 2019 · Amount on File
Prior Sale	Oct 17, 2016 · Amount on File
Deed Document Number	2019555614
Deed Book / Page	8915 / 349
Prior Transfer Date	Oct 3, 2016
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Feb 20, 2024
Property Address	646 RIVER ST, TROY, NY 12180-1556
Document Number	0106050051
Book / Page	10605 / 51
Instrument Date	Feb 13, 2024
Instrument	2024-638430
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 HUGHSON PL, LOUDONVILLE, NY 12211-2024

Mortgage

Document Number	2024638431
Date	Feb 20, 2024
Instrument	2024-638431

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Aug 15, 2019
Property Address	646 RIVER ST, TROY, NY 12180-1556
Document Number	0000555614
Book / Page	008915 / 000349
Instrument Date	Aug 2, 2019
Instrument	555614
Transaction Type	Transfer
Record Updated	Sep 6, 2019
Title Company	AMP ABSTRCT LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	369 W SAND LAKE RD WYNANTSKILL NY 121988160, WYNANTSKILL, NY 12198-8160

Mortgage

Document Number	555615
Date	Aug 15, 2019
Book Page	008916/000001
Instrument	555615

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2049

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Mar 20, 2017
Property Address	646 RIVER ST, TROY, NY 12180-1556
Document Number	0081210090
Book / Page	008121 / 000090
Instrument Date	Feb 13, 2017
Transaction Type	Transfer
Record Updated	Apr 18, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23 CASTLE PNSS CLIFTON PARK NY 12065, CLIFTON PARK, NY 12065

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Mar 20, 2017
Property Address	646 RIVER ST, TROY, NY 12180-1556
Document Number	0081210084
Book / Page	008121 / 000084
Instrument Date	Jan 13, 2017
Transaction Type	Transfer
Record Updated	Apr 18, 2017

Transaction

Amount	Amount on Record
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CASTLE PNSS CLIFTON PARK NY 12065, CLIFTON PARK, NY 12065

Tax Assessment & Valuation

The 2026 property tax bill for 646 River St was $7,847, down 9.8% 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	$7,847.00 (-9.77%)
2025	$8,697.00	$95,000 Land $6,300 Building $88,700	$162,700 Land $10,790 Building $151,910
2023		$95,000 (-) Land $6,300 Building $88,700	$135,700 (+8.56%) Land $8,999 Building $126,701
2022	$5,419.00	$95,000 Land $6,300 Building $88,700	$125,000 Land $8,289 Building $116,711

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 646 River St; 6 flood insurance policies are in force nearby.

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	6 in force

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

Wildfire risk around 646 River St is low, with less than a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 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
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: Massivemesh Networks, Verizon.

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