647 3rd St, Albany, NY 12206 Property Records

Albany County and Albany City property record for 647 3rd St, Albany, NY 12206

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 640 sqft · built 2018
Lot Size	0.069 acres (3,000 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Sep 2026)
Tax Bill	$3,217 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010100 65.29-1-12`

Property Details

APN / Parcel Number

Primary APN	`010100 65.29-1-12`
Alternative APNs	`010006502900010120000000` `06502900010120000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	640 sqft Living Area
1st Floor Area	640 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	125 ft deep x 24.8 ft wide
Porch	Slab
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	06502900010120000000
Street Address	647 3RD ST
City	ALBANY
State	NY
Zip	12206-2221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	HSE TORE DOWN FIRE DAMAGE 1007905
Legal Block	1
Legal Lot Number	12.000
Jurisdiction	ALBANY NY
Township / Civil Division	ALBANY
Census Block Group	2
Census Block	2003
Census Tract	301

Owner

647 3rd St is owned by an individual who bought it in September 2026.

Source: Albany County and Albany City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	12 DOTT AVE, ALBANY, NY 12205-5304
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
Sep 28, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION
Jan 25, 2018	Loan Modification, Mortgage BANK OF BENNINGTON
Apr 18, 2017	Trustee's Deed, Construction Loan · Construction Mortgage BANK OF BENNINGTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2026 · Amount on File
Deed Sale	Sep 28, 2026 · Amount on File
Deed Document Number	202618637
Prior Transfer Date	Dec 28, 2011
Prior Transfer Doc	0030230569
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Sep 28, 2026
Property Address	647 3RD ST, ALBANY, NY 12206-2221
Document Number	0000018637
Instrument Date	Sep 8, 2026
Instrument	202618637
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	TRW TITLE INSURANCE, TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,560.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 DOTT AVE, ALBANY, NY 12205-5304
Investor	Possibly a Property Investor

Mortgage

Document Number	0000018638,
Date	Sep 28, 2026
Instrument	202618638

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBANY NY
Property Address	647 3RD ST, ALBANY, NY 12206
Document Number	0000004783
Instrument Date	Jan 25, 2018
Transaction Type	Mortgage
Record Updated	Apr 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 ESPERANCE RD ESPERANCE NY 120661704, ESPERANCE, NY 12066-1704

Mortgage

Document Number	0000004783
Date	Mar 5, 2018
Instrument	4783

Lender

Name	BANK OF BENNINGTON
Type	Bank
Address	BENNINGTON, VT 05201

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2048

April 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ALBANY NY
Recording Date	Apr 18, 2017
Property Address	647 3RD ST, ALBANY, NY 12206
Instrument Date	Apr 12, 2017
Instrument	8917
Transaction Type	Construction Loan
Record Updated	Jul 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 ESPERANCE RD ESPERANCE NY 120661704, ESPERANCE, NY 12066-1704

Mortgage

Document Number	0000008917
Date	Apr 18, 2017
Instrument	8917

Lender

Name	BANK OF BENNINGTON
Type	Bank
Address	BENNINGTON, VT 05201

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 647 3rd St was $3,217, up 2.9% from the year before.

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	$3,217.00 (+2.88%)
2025	$3,127.00	$119,000 Land $23,800 Building $95,200	$123,958 Land $24,792 Building $99,166
2023		$87,000 (-) Land $4,500 Building $82,500	$122,829 (+12.55%) Land $6,353 Building $116,476
2022		$87,000 Land $4,500 Building $82,500	$109,132 Land $5,645 Building $103,487
2021	$3,425.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 647 3rd St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 647 3rd 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.

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 283 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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