786 4th Ave, Troy, NY 12182 Property Records

Rensselaer County and Troy City property record for 786 4th Ave, Troy, NY 12182

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1940
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$42,000 (Aug 2025)
Tax Bill	$4,170 (2026)
Deeds & Mortgages	Jan 2023 Refinance Jan 2023 Refinance + 3 more
APN	`381700 80.32-10-15`

Property Details

APN / Parcel Number

Primary APN	`381700 80.32-10-15`
Alternative APN	`1704550`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,008 sqft Living Area
1st Floor Area	504 sqft
2nd Floor Area	504 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	120 ft deep x 25 ft wide
Porch	Slab
Porch Area	126 sqft
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	1704550
Street Address	786 4TH AVE
City	TROY
State	NY
Zip	12182-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TF
Legal Description	2 STY FR HSE 343-3/N1/2 63
Legal Block	10
Legal Lot Number	15.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	4
Census Block	4010
Census Tract	40100

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	2 Individual Names on Record
Mailing Address	2 THURLOW TER, ALBANY, NY 12203-1038
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LOAN FUNDER LLC
Jan 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LOAN FUNDER LLC
Sep 14, 2022	Warranty Deed, Transfer
Oct 17, 2019	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS
Jul 25, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2025 · Amount on Record
Deed Sale	Aug 21, 2025 · Amount on Record
Prior Sale	Sep 14, 2022 · Amount on Record
Deed Document Number	2025660225
Deed Book / Page	11043 / 186
Prior Transfer Date	Jun 25, 2018
Prior Transfer Doc	0085730046
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	786 4TH AVE, TROY, NY 12182-2127
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102880114
Date	Jan 6, 2023
Book Page	10288/114
Instrument	2023-622234

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	786 4TH AVE, TROY, NY 12182-2127
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102880089
Date	Jan 6, 2023
Book Page	10288/89
Instrument	2023-622233

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Sep 14, 2022
Property Address	786 4TH AVE, TROY, NY 12182-2127
Document Number	0101810065
Book / Page	10181 / 65
Instrument Date	Aug 31, 2022
Instrument	2022-616875
Transaction Type	Transfer
Record Updated	Oct 11, 2022

Transaction

Amount	Amount Recorded
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	PO BOX 622576, BRONX, NY 10462-0604

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Oct 17, 2019
Property Address	786 4TH AVE, TROY, NY 12182-2127
Document Number	0000558852
Book / Page	008977 / 000274
Instrument Date	Sep 10, 2019
Instrument	558852
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount Recorded
Tax	$88.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4488 CARTIER STMONTREAL

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jul 25, 2018
Property Address	786 4TH AVE, TROY, NY 12182-2127
Document Number	0085730046
Book / Page	008573 / 000046
Instrument Date	Jun 13, 2018
Transaction Type	Foreclosure
Record Updated	Dec 11, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 NICOLLET MALL MINNEAPOLIS MN 554027000, MINNEAPOLIS, MN 55402-7000

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	Lansingburgh Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,170.00 (+102.82%)
2025	$2,056.00 (-72.3%)	$45,000 (-50.55%) Land $8,800 Building $36,200	$77,100 (-40.69%) Land $15,077 Building $62,023
2023		$91,000 (-) Land $8,800 Building $82,200	$130,000 (+8.57%) Land $12,571 Building $117,429
2022	$7,423.00	$91,000 Land $8,800 Building $82,200	$119,737 Land $11,579 Building $108,158

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 · 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 Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	23 (1996–2011)
Claims Outside the SFHA	1 of 23
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 14 claims Severe Storms And Flooding, Apr 2005 · 6 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 95% 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	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 397 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
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile.

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