648 4th St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 648 4th St, Troy, NY 12180

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,380 sqft · built 1890
Lot Size	0.06 acres (2,614 sqft)
Owner	Company Name on Record
Last Sale	$18,500 (Nov 2013)
Tax Bill	$5,423 (2026)
Deeds & Mortgages	Mar 2024 Refinance Apr 2021 Refinance + 2 more
APN	`381700 111.60-5-3`

Property Details

APN / Parcel Number

Primary APN	`381700 111.60-5-3`
Alternative APN	`0602850`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,380 sqft Total Area
1st Floor Area	690 sqft
2nd Floor Area	690 sqft
Game Room	Game Room

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Porch	Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0602850
Street Address	648 4TH ST
City	TROY
State	NY
Zip	12180-5508
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MU2
Legal Description	2 STY FR HSE 36D-21/6
Legal Block	5
Legal Lot Number	3.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	1
Census Block	1007
Census Tract	41000

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	776 SARATOGA RD, GANSEVOORT, NY 12831-3233
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance HOMETOWN EQUITY MTG
Apr 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MAKO INTERNATIONAL LLC
Apr 5, 2021	Deed, Transfer
Jul 16, 2020	Deed of Trust, Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2013 · Amount on Record
Deed Sale	Nov 25, 2013 · Amount on Record
Prior Sale	Nov 25, 2013 · Amount on Record
Deed Book / Page	7007 / 32
Prior Transfer Date	Oct 17, 2013
Prior Transfer Doc	0070070029
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	648 4TH ST, TROY, NY 12180-5508
Transaction Type	Mortgage
Record Updated	Mar 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0106180055
Date	Mar 6, 2024
Book Page	10618/55
Instrument	2024-639056

Lender

Name	HOMETOWN EQUITY MTG

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	648 4TH ST, TROY, NY 12180-5508
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095630294
Date	Apr 27, 2021
Book Page	9563/294
Instrument	2021-587942

Lender

Name	MAKO INTERNATIONAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	RENSSELAER NY
Recording Date	Apr 5, 2021
Property Address	648 4TH ST, TROY, NY 12180-5508
Document Number	0095300276
Book / Page	9530 / 276
Instrument Date	Mar 1, 2021
Instrument	2021-586351
Transaction Type	Transfer
Record Updated	Sep 21, 2023

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	7 ST JOSEPHS ST, TROY, NY 12180-5542

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	648 4TH ST, TROY, NY 12180-5508
Document Number	0000571795
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	SELECT TITLE COMPANY, SELECT TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	776 SARATOGA RD GANSEVOORT NY 128313233, GANSEVOORT, NY 12831-3233

Mortgage

Document Number	0000571795
Date	Jul 24, 2020
Book Page	009231/000280
Instrument	571795

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	MENANDS, NY 12204

Agreement

Amount	Amount Recorded

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	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,423.00 (+12.7%)
2025	$4,812.00 (-8.03%)	$45,000 (-) Land $8,400 Building $36,600	$77,100 (+19.91%) Land $14,392 Building $62,708
2023		$45,000 (-) Land $8,400 Building $36,600	$64,300 (+8.59%) Land $12,003 Building $52,297
2022	$5,232.00	$45,000 Land $8,400 Building $36,600	$59,211 Land $11,053 Building $48,158

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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