686 State St, Albany, NY 12203 Property Records

Albany County and Albany City property record for 686 State St, Albany, NY 12203

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,744 sqft · built 1920
Lot Size	0.036 acres (1,575 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Jan 2022)
Tax Bill	$4,370 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`010100 65.61-5-16`

Property Details

APN / Parcel Number

Primary APN	`010100 65.61-5-16`
Alternative APNs	`010006506100050160000000` `06506100050160000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,744 sqft Total Area
1st Floor Area	872 sqft
2nd Floor Area	872 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Wood
Lot Area	1,575 sqft (0.036 acres)
Lot Dimensions	75 ft deep x 21.6 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	06506100050160000000
Street Address	686 STATE ST
City	ALBANY
State	NY
Zip	12203-1319
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2B
Legal Description	2 WOOD ALT VET 0602108
Legal Block	5
Legal Lot Number	16.000
Jurisdiction	ALBANY NY
Township / Civil Division	ALBANY
Census Block Group	3
Census Block	3013
Census Tract	600

Owner

Source: Albany County and Albany 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	2 Individual Names on Record
Mailing Address	40 SPLIT CEDAR DR, ISLANDIA, NY 11749-1615
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage FM HOME LOANS LLC
Feb 2, 2018	Warranty Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2022 · Amount on Record
Deed Sale	Jan 27, 2022 · Amount on Record
Prior Sale	Jul 7, 2010 · Amount on Record
Deed Document Number	20222690
Prior Transfer Date	Aug 13, 2008
Prior Transfer Doc	0010265037
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	686 STATE ST, ALBANY, NY 12203-1319
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2131 FREDERICK DOUGLASS BLVD 5H, 5H, NEW YORK, NY 10026-2314
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002691
Date	Jan 27, 2022
Instrument	R2022-02691

Lender

Name	FM HOME LOANS LLC
Type	Mortgage Company
Address	BROOKLYN, NY 11210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Feb 2, 2018
Property Address	686 STATE ST, ALBANY, NY 12203-1319
Document Number	0000002781
Instrument Date	Jan 4, 2018
Instrument	2781
Transaction Type	Transfer
Record Updated	Apr 4, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$440.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	59 E FOREST TRL HOLMES NY 125315146, HOLMES, NY 12531-5146

Tax Assessment & Valuation

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	$4,370.00 (+84.78%)
2025		$157,100 (+175.61%) Land $36,400 Building $120,700	$163,646 (+103.35%) Land $37,917 Building $125,729
2023		$57,000 (-) Land $11,400 Building $45,600	$80,474 (+12.55%) Land $16,095 Building $64,379
2022		$57,000 Land $11,400 Building $45,600	$71,500 Land $14,300 Building $57,200
2021	$2,365.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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	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 1,062 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	300 / 20

May also be available: Massivemesh Networks, T-Mobile.

Nearby Properties on State St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures