895 River St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 895 River St, Troy, NY 12180

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,617 sqft · built 1890
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Oct 2022)
Tax Bill	$5,449 (2026)
Deeds & Mortgages	Jan 2023 Refinance Oct 2022 Sale & Mortgage + 2 more
APN	`381700 90.54-1-6`

Property Details

APN / Parcel Number

Primary APN	`381700 90.54-1-6`
Alternative APN	`1300620`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,617 sqft Living Area
1st Floor Area	924 sqft
Upper Floors Area	693 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
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	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1300620
Street Address	895 RIVER ST
City	TROY
State	NY
Zip	12180-1243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU2
Legal Description	1.5 STY FR HSE &2C FR GAR 201-10/21
Legal Block	1
Legal Lot Number	6.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	2
Census Block	2010
Census Tract	40300

Owner

895 River St is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	895 RIVER ST, TROY, NY 12180-1243
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
Jan 27, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance PREMIUM MORTGAGE CO
Oct 20, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage PREMIUM MORTGAGE CO
Jan 10, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 16, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2022 · Amount on File
Deed Sale	Oct 20, 2022 · Amount on File
Prior Sale	Aug 7, 2014 · Amount on File
Deed Document Number	2022618594
Deed Book / Page	10216 / 131
Prior Transfer Date	Dec 9, 2021
Prior Transfer Doc	0098900096
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	895 RIVER ST, TROY, NY 12180-1243
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0103050290
Date	Jan 27, 2023
Book Page	10305/290
Instrument	2023-623078

Lender

Name	PREMIUM MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2052

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Oct 20, 2022
Property Address	895 RIVER ST, TROY, NY 12180-1243
Document Number	0102160131
Book / Page	10216 / 131
Instrument Date	Oct 6, 2022
Instrument	2022-618594
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	STEWART TITLE

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	895 RIVER ST, TROY, NY 12180-1243

Mortgage

Document Number	2022618595
Date	Oct 20, 2022
Instrument	2022-618595

Lender

Name	PREMIUM MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jan 10, 2022
Property Address	895 RIVER ST, TROY, NY 12180-1243
Document Number	0098900096
Book / Page	9890 / 96
Instrument Date	Dec 9, 2021
Instrument	2022-603268
Transaction Type	Transfer
Record Updated	Feb 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 CROSS RD, COVINGTON, GA 30016-7798

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jan 16, 2018
Property Address	895 RIVER ST, TROY, NY 12180-1243
Document Number	0084140045
Book / Page	008414 / 000045
Instrument Date	Jan 16, 2018
Transaction Type	Transfer
Record Updated	Feb 13, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3343 DARLINGTON RD HOLIDAY FL 346913142, HOLIDAY, FL 34691-3142

Tax Assessment & Valuation

The 2026 property tax bill for 895 River St was $5,449, down 15.7% 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	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,449.00 (-15.7%)
2025	$6,464.00	$75,000 Land $8,800 Building $66,200	$128,400 Land $15,066 Building $113,334
2023		$75,000 (-) Land $8,800 Building $66,200	$107,100 (+8.53%) Land $12,566 Building $94,534
2022	$3,397.00	$75,000 Land $8,800 Building $66,200	$98,684 Land $11,579 Building $87,105

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 895 River St; 1 flood insurance policy is in force nearby.

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
Nearby Flood Policies	1 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 895 River 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 539 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: Hudson Valley Wireless.

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