1005 E River Dr, Lake Luzerne, NY 12846 Property Records

Warren County and Lake Luzerne Town property record for 1005 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,536 sqft · built 2005
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Mar 2018)
Tax Bill	$4,667 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Mar 2018 Sale & Mortgage
APN	`523200 298.20-1-59.1`

Property Details

APN / Parcel Number

Primary APN	`523200 298.20-1-59.1`
Alternative APN	`320029802000010590010000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,536 sqft Living Area
1st Floor Area	768 sqft
2nd Floor Area	768 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	40,075 sqft (0.92 acres)
Lot Dimensions	278 ft deep x 144 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1005 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-2305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR
Legal Description	VAC 33.-1-24.1
Legal Block	1
Legal Lot Number	59.001
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	2
Census Block	2064
Census Tract	71000

Owner

1005 E River Dr is owned and occupied by two individuals who bought it in March 2018.

Source: Warren County and Lake Luzerne Town records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1005 E RIVER DR, LAKE LUZERNE, NY 12846-2305
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · Line of Credit HUDSON RIVER COMMUNITY FCU
Mar 12, 2018	Grant Deed, Transfer · FHA Mortgage HOMESTEAD FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2018 · Amount on File
Deed Sale	Mar 12, 2018 · Amount on File
Prior Sale	Nov 18, 2014 · Amount on File
Deed Book / Page	5720 / 123
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	1005 E RIVER DR, LAKE LUZERNE, NY 12846-2305
Transaction Type	Mortgage
Record Updated	Oct 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064600301
Date	Oct 1, 2021
Book Page	6460/301
Instrument	2021-8294

Lender

Name	HUDSON RIVER COMMUNITY FCU

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NY
Recording Date	Mar 12, 2018
Property Address	1005 E RIVER DR, LAKE LUZERNE, NY 12846-2305
Document Number	0000001499
Book / Page	005720 / 000123
Instrument Date	Mar 9, 2018
Instrument	1499
Transaction Type	Transfer
Record Updated	Apr 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	43 KINGS RD CORINTH NY 128222639, CORINTH, NY 12822-2639

Mortgage

Document Number	1500
Date	Mar 12, 2018
Book Page	005720/000127
Instrument	1500

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 11, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1005 E River Dr was $4,667, up 4.7% from the year before.

Source: Warren County and Lake Luzerne Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Warren County
County Subdivision	Lake Luzerne Town
Unified School District	Hadley-Luzerne Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,667.00 (+4.66%)
2025	$4,459.00	$207,000 Land $27,000 Building $180,000	$350,800 Land $45,757 Building $305,043
2023		$207,000 Land $27,000 Building $180,000	$279,700 Land $36,483 Building $243,217

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

Flood

FEMA has no flood map on file for 1005 E River Dr; there have been 9 flood claims nearby since 1979.

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	9 (1979–2019)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Oct 2019 · Severe Storms, Straight-line Winds, And Flooding

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

Wildfire risk around 1005 E River Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE LUZERNE WATER DISTRICT serves 2,500 people · EPA ID NY5600108
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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