862 3rd St, Albany, NY 12206 Property Records

Albany County and Albany City property record for 862 3rd St, Albany, NY 12206

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,980 sqft · built 1890
Lot Size	0.046 acres (2,025 sqft)
Owner	2 Individual Names on File
Last Sale	$212,000 (May 2025)
Tax Bill	$2,606 (2026)
Deeds & Mortgages	May 2025 Mortgage Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010100 64.28-2-34`

Property Details

APN / Parcel Number

Primary APN	`010100 64.28-2-34`
Alternative APNs	`010006402800020340000000` `06402800020340000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,980 sqft Total Area
1st Floor Area	990 sqft
2nd Floor Area	990 sqft
Game Room	Game Room

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	2,025 sqft (0.046 acres)
Lot Dimensions	81 ft deep x 25 ft wide
Garage Type	Detached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	396 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	06402800020340000000
Street Address	862 3RD ST
City	ALBANY
State	NY
Zip	12206-1622
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	C2
Legal Description	2 COMP BRICK & WOOD 1208719
Legal Block	2
Legal Lot Number	34.000
Jurisdiction	ALBANY NY
Township / Civil Division	ALBANY
Census Block Group	1
Census Block	1023
Census Tract	302

Owner

862 3rd St, a duplex, is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	862 3RD ST, ALBANY, NY 12206-1622
Occupancy	Owner Occupied
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
May 8, 2025	Deed of Trust, Mortgage · FHA Mortgage HOMESTEAD FUNDING CORP
Nov 10, 2021	Deed of Trust, Mortgage · Line of Credit SUNMARK FCU
Sep 15, 2020	Warranty Deed, Transfer LEGACY TITLE SERVICES, LEGACY TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2025 · Amount on File
Deed Sale	May 8, 2025 · Amount on File
Prior Sale	Sep 15, 2020 · Amount on File
Deed Document Number	20258214
Prior Transfer Date	Oct 8, 2015
Prior Transfer Doc	0031520283
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	862 3RD ST, ALBANY, NY 12206-1622
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	CLAY TITLE SERVICES INC, LEGACY TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	193 MAIN ST 2, 2, RAVENA, NY 12143-1117

Mortgage

Document Number	0000000215
Date	May 8, 2025
Instrument	R2025-8215

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	862 3RD ST, ALBANY, NY 12206-1622
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004260
Date	Nov 10, 2021
Instrument	R2021-34260

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Oct 15, 2031

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Sep 15, 2020
Property Address	862 3RD ST, ALBANY, NY 12206-1622
Document Number	0000020302
Instrument Date	Aug 18, 2020
Instrument	20302
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$360.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1545 47TH ST BROOKLYN NY 112192727, BROOKLYN, NY 11219-2727

Tax Assessment & Valuation

The 2026 property tax bill for 862 3rd St was $2,606, down 20.1% from the year before.

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	$2,606.00 (-20.09%)
2025	$3,261.00	$88,000 Land $17,600 Building $70,400	$91,667 Land $18,333 Building $73,334
2023		$50,000 (-) Land $10,000 Building $40,000	$70,592 (+12.55%) Land $14,118 Building $56,474
2022		$50,000 Land $10,000 Building $40,000	$62,720 Land $12,544 Building $50,176
2021	$2,772.00

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

Flood

FEMA maps place 862 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 862 3rd St 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	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 283 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: Verizon.

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