681 5th Ave, Troy, NY 12182 Property Records

Rensselaer County and Troy City property record for 681 5th Ave, Troy, NY 12182

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,760 sqft · built 1900
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (May 2021)
Tax Bill	$4,250 (2026)
Deeds & Mortgages	Jan 2025 Mortgage May 2021 Sale & Mortgage
APN	`381700 80.48-3-3`

Property Details

APN / Parcel Number

Primary APN	`381700 80.48-3-3`
Alternative APN	`1704870`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,760 sqft Total Area
1st Floor Area	880 sqft
2nd Floor Area	880 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	120 ft deep x 25 ft wide
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	714 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1704870
Street Address	681 5TH AVE
City	TROY
State	NY
Zip	12182-2332
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MF
Legal Description	2 STY FR HSE 325-17/SPT 446
Legal Block	3
Legal Lot Number	3.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	5
Census Block	5012
Census Tract	40100

Owner

681 5th Ave, a duplex, is owned by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	681 5TH AVE, 1, TROY, NY 12182-2332
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
Jan 27, 2025	Deed of Trust, Mortgage · ARM HOMESTEAD FUNDING CORP
May 14, 2021	Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2021 · Amount on File
Deed Sale	May 14, 2021 · Amount on File
Prior Sale	Jun 5, 2006 · Amount on File
Deed Document Number	2021588880
Deed Book / Page	9582 / 286
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	681 5TH AVE, TROY, NY 12182-2332
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108800202
Date	Jan 27, 2025
Book Page	10880/202
Instrument	2025-652009

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.2%
Type Change Date	Jan 2, 2035
Index	Other
Margin	3

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	RENSSELAER NY
Recording Date	May 14, 2021
Property Address	681 5TH AVE, TROY, NY 12182-2332
Document Number	0095820286
Book / Page	9582 / 286
Instrument Date	May 13, 2021
Instrument	2021-588880
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 JEFFERSON ST, TROY, NY 12180-4610

Mortgage

Document Number	2021588881
Date	May 14, 2021
Instrument	2021-588881

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 681 5th Ave was $4,250, up 10.7% 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	Lansingburgh Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,250.00 (+10.71%)
2025	$3,839.00	$84,000 Land $8,800 Building $75,200	$143,800 Land $15,065 Building $128,735
2023		$84,000 (-) Land $8,800 Building $75,200	$120,000 (+8.57%) Land $12,571 Building $107,429
2022	$3,662.00	$84,000 Land $8,800 Building $75,200	$110,526 Land $11,579 Building $98,947

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

Flood

FEMA's flood maps do not cover 681 5th Ave; there have been 7 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	7 (1979–2011)
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims

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

The area around 681 5th Ave 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 703 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: Hudson Valley Wireless, Verizon.

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