99 James St, Troy, NY 12183 Property Records

Albany County and Green Island Town property record for 99 James St, Troy, NY 12183

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,058 sqft · built 1930
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Feb 2026)
Tax Bill	$4,510 (2026)
Deeds & Mortgages	Jul 2026 Mortgage May 2026 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`012801 20.76-2-22`

Property Details

APN / Parcel Number

Primary APN	`012801 20.76-2-22`
Alternative APNs	`280102007600020220000000` `02007600020220000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,058 sqft Total Area
1st Floor Area	1,104 sqft
2nd Floor Area	1,104 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	100 ft deep x 30 ft wide
Porch	Slab
Porch Area	336 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02007600020220000000
Street Address	99 JAMES ST
City	TROY
State	NY
Zip	12183-1415
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	02 - SINGL
Legal Block	2
Legal Lot Number	22.000
Jurisdiction	ALBANY NY
Township / Civil Division	GREEN ISLAND
Census Block Group	1
Census Block	1029
Census Tract	13100

Owner

99 James St, a duplex, is owned and occupied by an individual who bought it in February 2026.

Source: Albany County and Green Island Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	8 HAVEN LN, COHOES, NY 12047-1435
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
Jul 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHEMUNG CANAL TRUST
May 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHEMUNG CANAL TRUST
Feb 19, 2026	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2026 · Amount on File
Deed Sale	Feb 19, 2026 · Amount on File
Deed Document Number	20263490
Prior Transfer Date	Aug 2, 2023
Prior Transfer Doc	0000017004
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Jul 7, 2026
Property Address	99 JAMES ST, TROY, NY 12183-1415
Document Number	0000012697
Instrument Date	May 15, 2026
Instrument	202612697
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	PRIORITY 1 ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 HAVEN LN, COHOES, NY 12047-1435

Mortgage

Document Number	0000012697,
Date	Jul 7, 2026
Instrument	202612697

Lender

Name	CHEMUNG CANAL TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	May 7, 2026
Property Address	99 JAMES ST, TROY, NY 12183-1415
Document Number	0000000674
Instrument Date	Apr 6, 2026
Instrument	20268674
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PRIORITY 1 ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 HAVEN LN, COHOES, NY 12047-1435

Mortgage

Document Number	0000008674,
Date	May 7, 2026
Instrument	20268674

Lender

Name	CHEMUNG CANAL TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	6.5%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Feb 19, 2026
Property Address	99 JAMES ST, TROY, NY 12183-1415
Document Number	0000000490
Instrument Date	Dec 19, 2025
Instrument	R2026-3490
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Amount	Amount on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23719 COMPANERO DR, SORRENTO, FL 32776-6963

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 HAVEN LN, COHOES, NY 12047-1435

Tax Assessment & Valuation

The 2026 property tax bill for 99 James St was $4,510 with exemptions applied, down 1% from the year before.

Source: Albany County and Green Island Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Green Island Town
Municipality	Green Island Village
Unified School District	Green Island Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,510.00 (-0.97%) Homeowner's exemption Senior Citizen's exemption
2025	$4,554.00 Homeowner's exemption Senior Citizen's exemption	$116,000 Land $27,500 Building $88,500	$175,758 Land $41,667 Building $134,091
2023		$116,000 Land $27,500 Building $88,500	$148,718 Land $35,256 Building $113,462

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 99 James St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	4 (1986–2011)
Most Recent Claim	Aug 2011 · Hurricane Irene

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 99 James 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	GREEN ISLAND VILLAGE serves 2,900 people · EPA ID NY0100195
Water Source	Purchased surface water from COHOES CITY
Last State Inspection	Sep 2023
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Nov 2022
Treatment and Procedure	No certified operator currently in violation since Jan 2023
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 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
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: Massivemesh Networks, Verizon.

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