10 Dunlap Rd, Saranac Lake, NY 12983 Property Records

Franklin County and Santa Clara Town property record for 10 Dunlap Rd, Saranac Lake, NY 12983

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 2.5 ba · 1,904 sqft · built 1990
Lot Size	3.35 acres (145,926 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,159,000 (Sep 2024)
Tax Bill	$17,541 (2026)
Deeds & Mortgages	Sep 2024 Sale & Mortgage
APN	`1-075-13.00`

Property Details

APN / Parcel Number

Primary APN	`1-075-13.00`
Alternative APNs	`520045400000010023000000` `165200 454.-1-2.300`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,904 sqft Living Area
1st Floor Area	1,511 sqft
Upper Floors Area	115 sqft
Attic	Attic
Attic Area	393 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Wood
Foundation Type	Raised
Lot Area	145,926 sqft (3.35 acres)
Lot Dimensions	200 ft deep x 300 ft wide
View / Lot	Waterfront / Beach
Porch	Slab
Porch Area	492 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1-075-13.00
Street Address	10 DUNLAP RD
City	SARANAC LAKE
State	NY
Zip	12983
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	07 - MIXED
Legal Description	DUNLAP DUNLAP LAKE DUNLAP
Legal Block	1
Legal Lot Number	2.300
Jurisdiction	FRANKLIN NY
Township / Civil Division	SANTA CLARA
Census Block Group	2
Census Block	2170
Census Tract	950701

Owner

Source: Franklin County and Santa Clara Town records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2527 18TH ST N, ARLINGTON, VA 22201-4046
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2024 · Amount on Record
Deed Sale	Sep 13, 2024 · Amount on Record
Deed Document Number	20244394
Prior Transfer Date	Feb 12, 2009
Prior Transfer Doc	0009940000000314
Record Updated	Oct 29, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Sep 13, 2024
Property Address	10 DUNLAP RD, SARANAC LAKE, NY 12983
Document Number	0000004394
Instrument Date	Sep 6, 2024
Instrument	2024-4394
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2527 18TH ST N, ARLINGTON, VA 22201-4046

Mortgage

Document Number	0000004395
Date	Sep 13, 2024
Instrument	2024-4395

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Oct 1, 2029
Index	Other

Tax Assessment & Valuation

Source: Franklin County and Santa Clara Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Franklin County
County Subdivision	Santa Clara Town
Unified School District	Saranac Lake Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$17,541.00 (+14.06%)
2025	$15,379.00 (-0.37%)	$842,700 (-) Land $557,100 Building $285,600	$1,458,968 (+16%) Land $964,508 Building $494,460
2024	$15,436.00 (+148.05%)	$842,700 (-) Land $557,100 Building $285,600	$1,257,761 (+8.96%) Land $831,492 Building $426,269
2023		$842,700 (-) Land $557,100 Building $285,600	$1,154,384 (+15.07%) Land $763,151 Building $391,233
2022		$842,700 Land $557,100 Building $285,600	$1,003,214 Land $663,214 Building $340,000
2021	$6,223.00

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Dunlap Rd

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