987 State St, Albany, NY 12203 Property Records

Albany County and Albany City property record for 987 State St, Albany, NY 12203

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,450 sqft · built 1964
Lot Size	0.112 acres (4,900 sqft)
Owner	Individual Name on Record
Last Sale	$195,500 (Aug 2016)
Tax Bill	$6,560 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010100 64.44-1-65`

Property Details

APN / Parcel Number

Primary APN	`010100 64.44-1-65`
Alternative APNs	`010006404400010650000000` `06404400010650000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,450 sqft Total Area
1st Floor Area	1,225 sqft
2nd Floor Area	1,225 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	4,900 sqft (0.112 acres)
Lot Dimensions	70 ft deep x 70 ft wide
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	06404400010650000000
Street Address	987 STATE ST
City	ALBANY
State	NY
Zip	12203-1611
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2A
Legal Description	2 BRICK & WOOD 1204703
Legal Block	1
Legal Lot Number	65.000
Jurisdiction	ALBANY NY
Township / Civil Division	ALBANY
Census Block Group	2
Census Block	2007
Census Tract	502

Owner

Source: Albany County and Albany City records, as of March 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	23 AMANDA WAY, SCHENECTADY, NY 12309-3245
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Aug 31, 2018	Deed with Mortgage, Transfer SANTANDER BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2016 · Amount on Record
Deed Sale	Aug 26, 2016 · Amount on Record
Prior Sale	Dec 21, 1998 · Amount on Record
Deed Document Number	201619410
Prior Transfer Date	Nov 9, 2007
Prior Transfer Doc	0029070000000820
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	987 STATE ST, ALBANY, NY 12203-1611
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001605
Date	Jan 21, 2020
Instrument	R2020-01605

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 20, 2049

August 2018: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	ALBANY NY
Recording Date	Aug 31, 2018
Property Address	987 STATE ST, ALBANY, NY 12203-1611
Document Number	0020189660
Book / Page	002018 / 019660
Instrument Date	Aug 28, 2018
Instrument	19661
Transaction Type	Transfer
Record Updated	Sep 21, 2018
Title Company	AMERICAN LAND TITLE ASSOCIATION

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 MOHAWK TRL NISKAYUNA NY 123092236, NISKAYUNA, NY 12309-2236
Investor	Possibly a Property Investor

Mortgage

Document Number	19661
Date	Aug 31, 2018
Instrument	19661

Lender

Name	SANTANDER BK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 30, 2033

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
2025	$6,560.00 (-13%)	$250,000 (+30.21%) Land $50,000 Building $200,000	$260,417 (-3.93%) Land $52,083 Building $208,334
2023		$192,000 (-) Land $38,400 Building $153,600	$271,072 (+12.55%) Land $54,214 Building $216,858
2022		$192,000 Land $38,400 Building $153,600	$240,843 Land $48,169 Building $192,674
2021	$7,540.00

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 · 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	2 in force
Nearby Flood Claims	3 (2014–2026)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2026 · rainfall accumulation

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	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 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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