$219,900
Troy, NY 12180
MLS# 202624442
Status: Pending
4 beds
1 / 31
Property Description
Why pay the whole mortgage yourself when a tenant can help? Move right into the spacious vacant first-floor unit of this attractive Troy two-family and start collecting rent from the long-term tenant upstairs from day one. Set on a quiet side street with great curb appeal and ample street parking, you're just 3 minutes from I-787 and Route 7 for an easy commute throughout the Capital Region. Step inside and appreciate the character that makes this home special--lofty tin ceilings, warm wood floors, and exposed brick add texture and charm you simply don't find in newer homes. Whip up your favorite meals in the ample eat-in kitchen, offering plenty of cabinetry and counter space plus some newer appliances. Gather in the formal dining room or take the party outside onto the huge back deck beneath a leafy canopy of mature trees that creates a welcome sense of privacy. Relax in front of the cozy pellet stove in the living room. When the day is done, you'll love unwinding in the expanded primary bedroom. Enjoy year-round comfort with forced-air heat and central A/C in the first floor unit. Separate utilities keep costs low. Upstairs, the long-term month-to-month tenant provides immediate rental income. That unit has hot-water radiator heat (no central A/C). The flexible 2nd floor layout also offers future possibilities: use the living room with closet as an oversized primary bedroom and transform the dining room into a comfortable living room. There is also a bonus room accessed off the landing that makes a great micro office. Whether you're ready to stop paying rent and start building equity or simply love the idea of having rental income help offset your housing costs, this owner-occupy opportunity is a smart way to start your home ownership journey. Troy Schools. Separate utilities. Restricted showing schedule Mon, Wed & Fri 3:30 - 7:30pm and Sat 111am - 4pm with 24 hours' notice. Ask about the $20k credit the seller is offering for a full price offer!
Details
Maps
Documents
Contract Information
Status: Pending
Property Sub Type: Duplex
Original List Price: 219900
List Price: $219,900
Current Price: $219,900
Listing Contract Date: 2026-08-20
List Price/SqFt: 87.96
Location
Street Number: 327
Street Name: 10th
Street Suffix: Street
County: Rensselaer
State/Province: NY
Postal Code: 12180
City/Town (Mail): Troy
Cross Street: 10th Street & Hoosick Street
Geo Lat: 42.740555
Geo Lon: -73.679714
Property Detail
Rooms Total: 11
Bedrooms Total: 4
Bathrooms Full: 2
Year Built: 1880
Above Grade Finished Area: 2500
Above Grade Finished Area Source: CRS
Below Grade Finished Area Source: CRS
Living Area: 2500
Fireplaces Total: 1
Lot Size Acres: 0.06
Waterfront Y/N: No
Enhanced Accessible Y/N: No
Parking Y/N: No
Status Change Info
Status Change Date: 2026-08-27
Under Contract Date: 2026-08-25
Proposed Closing Date: 2026-10-02
Financial Details
General Taxes: 1606
General Taxes Description: Estimated
School Taxes: 1454
School Taxes Description: Estimated
Bath Levels
Full Bath 1: 1st
Full Bath 2: 2nd
Photos - the contractual owner of the photos
Photo Owner: Broker
Income And Expenses
Rental Income: 875
Rental Income Description: Actual
Total Income: 10500
Total Income Description: yearly
Insurance Expense: 1279
Insurance Expense Description: Estimated
Fuel Cost Description
Fuel Cost: 120
Separate Utilities
Number Of Separate Electric Meters: 2
Number Of Separate Gas Meters: 2
Unit Information
Number Of Dryers: 1
Number Of Refrigerators: 2
Number Of Stoves: 2
Number Of Washers: 1
Multi-Family Unit 1 Detail
Unit Location MF Unit 1: Down
Occupant Type MF Unit 1: Vacant
Total Rooms MF Unit 1: 5
Total Bedrooms MF Unit 1: 2
Total Full Baths MF Unit 1: 1
Unit 1 Detail
Occupant Type Unit 1: Owner
Kitchen Unit 1: Working Only
Total Rooms Unit 1: 5
Total Bedrooms: 2
Bedrooms on 1st Floor: 2
Total Full Baths: 1
Full Baths 1st Floor: 1
Dining Rooms 1st Floor: 1
Kitchens 1st Floor: 1
Living Rooms 1st Floor: 1
Multi-Family Unit 2 Detail
Unit Location MF Unit 2: up
Occupant Type MF Unit 2: Tenant
Monthly Rent MF Unit 2: 875
Rent Desc. MF Unit 2: Actual
Lease Term MF Unit 2: Month To Month
Total Rooms MF Unit 2: 6
Total Bedrooms MF Unit 2: 2
Total Full Baths MF Unit 2: 1
Unit 2 Detail
Rent: 875
Rent Description Unit 2: Actual
Lease Term Unit 2: Month To Month
Occupant Type Unit 2: Tenant
Kitchen Unit 2: Working Only
Total Rooms Unit 2: 6
Total Bedrooms: 2
Bedrooms on 2nd Floor: 2
Total Full Baths: 1
Full Baths 2nd Floor: 1
Dining Rooms 2nd Floor: 1
Kitchens 2nd Floor: 1
Living Rooms 2nd Floor: 1
Other Rooms 2nd Floor: 1
Property Features
Architectural Style: Traditional
Attic Features: Storage; Other
Basement: Full; Unfinished
Construction Materials: Brick
Cooling: Central Air
Duplex Type: Up And Down
Electric: Circuit Breakers
Exterior Features: None
Fencing: Back Yard; Partial; Wire
Fireplace Features: Living Room; Pellet Stove
Flooring: Carpet; Ceramic Tile; Hardwood
Heating: Forced Air; Hot Water; Natural Gas; Radiant
Interior Features: Ceramic Tile Bath; High Speed Internet; Paddle Fan
Laundry Features: In Basement
Levels: Two
Lot Features: Sloped
Other Structures: None
Owner Pays: Trash Collection; Water
Parking Features: None
Patio And Porch Features: Deck; Pressure Treated Deck
Possession: At Closing
Roof: Rubber
Security Features: Carbon Monoxide Detector(s); Smoke Detector(s)
Separate Utilities: Electric; Gas; Heat; Water Heater
Sewer: Public Sewer
Showing Requirements: 24 Hour Notice; Lockbox; Occupied; Restricted Days; Restricted Hours; Showing Service; Sign on Property
Special Listing Conditions: Standard
Tenant Pays: Electricity; Gas; Heat; Hot Water; Internet
Utilities: Cable Available
Water Source: Public
Unit 1 Includes: Bathroom; Dining Room; Kitchen; Living Room; Refrigerator; Stove
Unit 1 Owner Furnish Features: Sewer; Trash; Water
Unit 1 Dining Room Type: Formal Dining Room
Unit 1 Appliances: Dryer; Range; Washer; Refrigerator
Unit 1 Amenities: Ceramic Tile
Unit 2 Owner Furnish Features: Sewer; Trash; Water
Unit 2 Includes: Bathroom; Dining Room; Kitchen; Living Room; Refrigerator; Stove
Unit 2 Dining Room Type: Other
Unit 2 Appliances: Range; Refrigerator
Unit 2 Amenities: Cable Available
Tax Data 
Listing Courtesy of KW Platform
Listing Agent: Jenn L Baniak-Hollands
518-512-7784 | jenn@hollandshomesteam.com
518-512-7784 | jenn@hollandshomesteam.com
