Albany County Clerk Programs and Services

How to Record a Mortgage

To record a mortgage, you must have the original mortgage document completed, signed and notarized. The document should have a legal description of the property.

The mortgage costs $28.00, plus $3.00 per page to record.
PLEASE NOTE: This fee will increase on March 16, 2009, to $45.00 plus $5.00 per page.

The NYS Mortgage Tax is due at the time of recording. The mortgage tax in Albany County is 1.25% of the mortgage amount. It is broken down into three separate taxes as follows:

• Basic Tax = .50%
• CDTA Tax = .25% (minus $25.00 if the property is a 1 or 2 family dwelling)
• Special Additional Tax = .25% 
• County Mortgage Tax = .25%

The total mortgage tax in Albany County effective 11/1/2005 is 1.25%.

The  Basic Tax and the CDTA Tax are paid by the Borrower; the Special Additional Tax is paid by the Lender.

If an exemption is claimed for the Mortgage Tax the mortgage must be accompanied by two affidavits, an original and one copy. They should state the exemption and should be signed and notarized. The fee to file the affidavits is $5.00.

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