694 Central Ave, Albany, NY 12206 Property Records

Albany County and Albany City property record for 694 Central Ave, Albany, NY 12206

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,624 sqft · built 1900
Lot Size	0.072 acres (3,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Oct 2017)
Tax Bill	$6,741 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010100 64.28-1-51`

Property Details

APN / Parcel Number

Primary APN	`010100 64.28-1-51`
Alternative APNs	`010006402800010510000000` `06402800010510000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,624 sqft Total Area
1st Floor Area	1,312 sqft
2nd Floor Area	1,312 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	06402800010510000000
Street Address	694 CENTRAL AVE
City	ALBANY
State	NY
Zip	12206-1612
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2A
Legal Description	2 WOOD-COMP 1209013
Legal Block	1
Legal Lot Number	51.000
Jurisdiction	ALBANY NY
Township / Civil Division	ALBANY
Census Block Group	4
Census Block	4000
Census Tract	501

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	694 CENTRAL AVE, ALBANY, NY 12206-1612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN
Apr 4, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 14, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 4, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2017 · Amount on Record
Deed Sale	Oct 4, 2017 · Amount on Record
Prior Sale	Mar 27, 2008 · Amount on Record
Deed Document Number	201723711
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Jul 24, 2026
Property Address	694 CENTRAL AVE, ALBANY, NY 12206-1612
Document Number	0000013923
Instrument Date	Jun 29, 2026
Instrument	202613923
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	694 CENTRAL AVE, ALBANY, NY 12206-1612

Mortgage

Document Number	0000013923,
Date	Jul 24, 2026
Instrument	202613923

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	694 CENTRAL AVE, ALBANY, NY 12206-1612
Transaction Type	Mortgage
Record Updated	Jul 19, 2023
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	694 CENTRAL AVE, ALBANY, NY 12206-1612

Mortgage

Document Number	0000000128
Date	Apr 4, 2023
Instrument	R2023-6128

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jul 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 14, 2022
Property Address	694 CENTRAL AVE, ALBANY, NY 12206-1612
Document Number	0000006594
Instrument Date	Jun 28, 2022
Instrument	R2022-16594
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	SHAKER ABSTRACT & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$984.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	129 JUERGEN PT, 129, MAYFIELD, NY 12117-3954

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15 HAMPTON ST, ALBANY, NY 12209-1911

Mortgage

Document Number	0000006595
Date	Jul 14, 2022
Instrument	R2022-16595

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBANY NY
Recording Date	Oct 4, 2017
Property Address	694 CENTRAL AVE, ALBANY, NY 12206-1612
Document Number	0000023711
Instrument Date	Sep 28, 2017
Instrument	23711
Transaction Type	Transfer
Record Updated	Dec 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$260.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 HUNTINGTON CT ALBANY NY 122036015, ALBANY, NY 12203-6015

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	$6,741.00 (+30.34%)
2025		$250,000 (+155.1%) Land $50,000 Building $200,000	$260,417 (+88.22%) Land $52,083 Building $208,334
2023		$98,000 (-) Land $19,600 Building $78,400	$138,359 (+12.55%) Land $27,672 Building $110,687
2022		$98,000 Land $19,600 Building $78,400	$122,930 Land $24,586 Building $98,344
2021	$5,172.00

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 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	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 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	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 945 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

May also be available: T-Mobile.

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