# 278 River Street, Troy, NY 12180 > **TL;DR:** 4bd/3ba multi-family, $419,900 ($154/sqft), built 1890, 2,720 sqft. > Fireplace, View. Est. $2,245/mo. Listed 2 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $419,900 | | Price/sqft | $154 | | Bedrooms | 4 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,720 | | Year Built | 1890 | | Lot Size | 871 sqft (0.02 acres) | | Property Type | Multi-Family (Triplex) | | Status | Active | | Days on Market | 2 | ## Why This Home Stands Out - **Views** - River ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,123 | | Estimated Insurance | $122 | | **Total** | **$2,245** | ## Key Amenities - Fireplace - View ## Property Highlights - Built in 1890 - 0.02 acre lot - Fireplace ## Description ### Agent Description Troy has a way of making you fall for its historic brick buildings, timeless architecture and beautiful riverfront charm. Now, you have the opportunity to own a piece of it. Located in the heart of downtown Troy, this distinctive three-story mixed-use building offers a unique blend of historic character and investment potential, with a connection to the Capital Region's filming of HBO's The Gilded Age. The ground-floor storefront is a blank canvas ready for your vision. Imagine a professional office, boutique, creative studio or neighborhood restaurant with your name on the door. Complimentary parking adds convenience in a bustling downtown setting. Above, the second and third floors each feature a two-bedroom, one-bathroom apartment with room to personalize and explore different layouts, including the possibility of loft-inspired living. Neither apartment has previously been rented, offering a fresh opportunity for an investor to establish rental income. Projected rent is approximately $2,900 per apartment. The possibilities are plentiful. Operate your business downstairs while generating rental income from the apartments, live in one unit while renting the other, or explore leasing all three levels as a mixed-use investment. Whether you're an experienced investor or looking to expand your portfolio, this property offers flexibility and exciting potential in one of the Capital Region's most distinctive downtown districts. Step outside and enjoy everything Troy has to offer, from the beloved Troy Waterfront Farmers Market and local restaurants to independent boutiques, historic landmarks and the Hudson River waterfront. With its rich history, vibrant arts scene and distinctive architecture, downtown Troy continues to attract residents, entrepreneurs and visitors alike. Bring your vision to life and discover the possibilities of owning a unique piece of downtown Troy. ## Location - **Address:** 278 River Street, Troy, NY 12180 - **County:** Rensselaer - **Coordinates:** 42.73202, -73.690825 - **Google Maps:** https://www.google.com/maps?q=42.73202,-73.690825 ## Virtual Tour & Media - **Video Tour:** https://app.doaudiotours.com/unbranded?id=33728&lang=en-US ## Listing Agent - **Name:** Scott P Varley · **License:** 30VA0727304 - **Brokerage:** KW Platform - **Broker Phone:** (518) 724-5800 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/278-River-St_Troy_NY_12180_M93250-19708?f=listhub&s=CRMLSNY&m=202629217&c=propsimple) ## Photos ![278 River Street - Photo 1](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f668357521r.jpg) ![278 River Street - Photo 2](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f4255492701r.jpg) ![278 River Street - Photo 3](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f3954864033r.jpg) ![278 River Street - Photo 4](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f636318617r.jpg) ![278 River Street - Photo 5](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f2575744447r.jpg) ![278 River Street - Photo 6](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f3929293148r.jpg) ![278 River Street - Photo 7](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f2739433637r.jpg) ![278 River Street - Photo 8](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f3633550399r.jpg) ![278 River Street - Photo 9](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f4242231447r.jpg) ![278 River Street - Photo 10](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f1464633613r.jpg) ![278 River Street - Photo 11](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f3176457177r.jpg) ![278 River Street - Photo 12](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f378813331r.jpg) ![278 River Street - Photo 13](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f3268837893r.jpg) ![278 River Street - Photo 14](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f2545187759r.jpg) ![278 River Street - Photo 15](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f2647427267r.jpg) ![278 River Street - Photo 16](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f1743911156r.jpg) ![278 River Street - Photo 17](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f2832407639r.jpg) ![278 River Street - Photo 18](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f3781085772r.jpg) ![278 River Street - Photo 19](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f1787462354r.jpg) ![278 River Street - Photo 20](http://lh.rdcpix.com/178123653ecb5ad3c6de9ce19bde383dl-f4128518768r.jpg) --- **MLS#:** 202629217 | **Updated:** 2026-10-30 **Source:** listhub *Copyright © 2026 Global MLS, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/278-river-street-troy-ny-12180-d2d5f86a896a412e8d8cd937e23f999e) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/278-river-street-troy-ny-12180-d2d5f86a896a412e8d8cd937e23f999e#listing", "url": "https://www.propertysimple.ai/listing/278-river-street-troy-ny-12180-d2d5f86a896a412e8d8cd937e23f999e", "name": "278 River Street, Troy, NY 12180", "description": "Troy has a way of making you fall for its historic brick buildings, timeless architecture and beautiful riverfront charm. Now, you have the opportunity to own a piece of it. 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Operate your business downstairs while generating rental income from the apartments, live in one unit while renting the other, or explore leasing all three levels as a mixed-use investment. Whether you're an experienced investor or looking to expand your portfolio, this property offers flexibility and exciting potential in one of the Capital Region's most distinctive downtown districts. Step outside and enjoy everything Troy has to offer, from the beloved Troy Waterfront Farmers Market and local restaurants to independent boutiques, historic landmarks and the Hudson River waterfront. With its rich history, vibrant arts scene and distinctive architecture, downtown Troy continues to attract residents, entrepreneurs and visitors alike. 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