82 Montgomery Street, Albany
technical data · neighborhood and transit
Quick answers
- Is 82 Montgomery Street in a flood zone?
- No. FEMA maps it in Zone X, outside the high-risk flood area. Flood insurance is optional.
- What is the 2026 conforming loan limit in Albany County?
- $832,750 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- Is radon a problem here?
- EPA radon zone 2, moderate potential.
- What natural disasters is 82 Montgomery Street at risk for?
- FEMA's National Risk Index rates the area relatively low overall.
Safety and environment
FEMA natural hazard risk
Relatively Low
No single natural hazard ranks high for this area.
FEMA National Risk Index, census tract
FEMA flood zone
Zone X
Moderate flood hazard: a 0.2% annual chance. Flood insurance is optional and usually cheaper here.
FEMA National Flood Hazard Layer (FIRM)
Leaking fuel tanks
14 within 1,650 ft
Nearest: City @ Quackenbush Sq Broadway, Quackenbush Square Broadway (100 ft), no further action. Every release here is closed by the state regulator.
EPA UST Finder, leaking underground storage tank releases
Brownfield site
2,200 ft
54 2nd Street and 1 more within half a mile. Former industrial land in EPA's cleanup and reuse program.
EPA ACRES Brownfields
Toxic release facility
2,900 ft
Cmp Industries Llc and 3 more within a mile. Reports chemical releases to air, water or land to EPA each year.
EPA Toxics Release Inventory
Historic listing nearby
200 ft
Quackenbush Pumping Station, Albany Water Works. Exterior changes can need preservation review; listed buildings can qualify for rehabilitation tax credits.
National Park Service, National Register
High-voltage line
200 ft
115 kV line run by NIAGARA MOHAWK POWER CORP..
HIFLD transmission lines
Radon potential
Moderate
Average indoor levels of 2 to 4 pCi/L. EPA still suggests testing ground-floor and basement units.
EPA and USGS Geologic Radon Potential Map
Wildfire risk
Very Low
Wildfire risk is low enough that standard home insurance usually covers it.
FEMA National Risk Index
Nearest public schools
3,000 ft
ARBOR HILL ELEMENTARY SCHOOL (3,000 ft), DUAL LANGUAGE PROGRAM AT ALBANY INTERNATIONAL ACADEMY (3,600 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Conforming loan limit 2026
$832,750
Albany County. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
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More on Montgomery Street
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What's worth checking in person before deciding.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- Ask for the latest maintenance bill from a winter month, not a summer one: that's where the real cost of living there shows up.
- Knock on a neighboring door and ask two things: what bothers them most often, and what work is planned for the building.
- Ask specifically where you'd park: is there paid city parking, who currently holds it, what the permit costs, and how long the waitlist is.
- Schedule a viewing on a weekday too, between 6:00 and 7:30 PM, the window when the building is busiest: neighbors, parking, elevator.
- Look at the stairwell (cleanliness, smell) and the association's notice board: unpaid dues, conflicts, recent decisions.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.