896 River St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 896 River St, Troy, NY 12180

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,396 sqft · built 1890
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$192,000 (Jun 2019)
Tax Bill	$1,718 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2019 Sale & Mortgage
APN	`381700 90.54-2-35`

Property Details

APN / Parcel Number

Primary APN	`381700 90.54-2-35`
Alternative APN	`1301320`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,396 sqft Living Area
1st Floor Area	1,698 sqft
2nd Floor Area	1,698 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	135 ft deep x 30.8 ft wide
Porch	Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1301320
Street Address	896 RIVER ST
City	TROY
State	NY
Zip	12180-1242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU2
Legal Description	2 STY BR HSE 202-8/8 4 UNITS
Legal Block	2
Legal Lot Number	35.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	1
Census Block	1007
Census Tract	40400

Owner

896 River St is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	896 RIVER ST, TROY, NY 12180-1242
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
Jun 23, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE
Jun 11, 2019	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2019 · Amount on File
Deed Sale	Jun 11, 2019 · Amount on File
Prior Sale	Dec 9, 2014 · Amount on File
Deed Document Number	2019552281
Deed Book / Page	8850 / 211
Prior Transfer Date	Sep 21, 1994
Prior Transfer Doc	1786000149
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	896 RIVER ST, TROY, NY 12180-1242
Document Number	0000570623
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	NORTHWAY ABSTRACT CORPORATION, NORTHWAY ABS CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 VAN BUREN ST BROOKLYN NY 112216742, BROOKLYN, NY 11221-6742

Mortgage

Document Number	0000570623
Date	Jul 1, 2020
Book Page	009207/000065
Instrument	570623

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jun 11, 2019
Property Address	896 RIVER ST, TROY, NY 12180-1242
Document Number	0000552281
Book / Page	008850 / 000211
Instrument Date	Jun 7, 2019
Instrument	552281
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	NORTHWAY TITLE AND ABSTRACT, NORTHWAY TITLE & ABSTRACT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$768.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 VAN BUREN ST BROOKLYN NY 112213010, BROOKLYN, NY 11221-3010

Mortgage

Document Number	552282
Date	Jun 11, 2019
Book Page	008850/000215
Instrument	552282

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 896 River St was $1,718 with exemptions applied, down 33.3% 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	$1,718.00 (-33.33%) Disabled Person's exemption Veteran's exemption
2025	$2,577.00	$111,000 Land $10,000 Building $101,000	$190,100 Land $17,126 Building $172,974
2023		$111,000 (-) Land $10,000 Building $101,000	$158,600 (+8.59%) Land $14,288 Building $144,312
2022	$2,412.00 Disabled Person's exemption Veteran's exemption	$111,000 Land $10,000 Building $101,000	$146,053 Land $13,158 Building $132,895

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 896 River St; there have been 3 flood claims nearby since 2011.

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	2 in force
Nearby Flood Claims	3 (2011–2017)
Most Recent Claim	May 2017 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 2 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

The area around 896 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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