1038 Pratts Point Way, Argyle, NY 12809 Property Records

Washington County and Greenwich Town property record for 1038 Pratts Point Way, Argyle, NY 12809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,794 sqft · built 1996
Lot Size	0.449 acres (19,558 sqft)
Owner	2 Individuals on Record
Last Sale	$480,000 (Sep 2025)
Tax Bill	$10,393 (2025)
Deeds & Mortgages	Jun 2021 Refinance Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`533489 198.12-1-15`

Property Details

APN / Parcel Number

Primary APN	`533489 198.12-1-15`
Alternative APNs	`348919801200010150000000` `885J101428`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,794 sqft Living Area
1st Floor Area	1,128 sqft
Upper Floors Area	666 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Cape Cod
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	19,558 sqft (0.449 acres)
Lot Dimensions	154 ft deep x 127 ft wide
View / Lot	Waterfront / Beach
Porch	Patio
Porch Area	787 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	885J101428
Street Address	1038 PRATTS POINT WAY
City	ARGYLE
State	NY
Zip	12809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	COT L
Legal Block	1
Legal Lot Number	15.000
Jurisdiction	WASHINGTON NY
Township / Civil Division	GREENWICH
Census Block Group	1
Census Block	1002
Census Tract	89000

Owner

Source: Washington County and Greenwich Town assessment roll, as of April 27, 2026

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

Owner of Record	2 Individuals on Record
Mailing Address	5224 BRIDLE PATHWAY, SCHENECTADY, NY 12303-5018
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES FCU
Sep 2, 2025	Deed, Transfer · Stand-Alone First Mortgage NBT BANK NATIONAL ASSOCIATION
Jul 8, 2019	Warranty Deed, Transfer · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2025 · Amount on Record
Deed Sale	Sep 2, 2025 · Amount on Record
Prior Sale	Jul 8, 2019 · Amount on Record
Deed Document Number	20254029
Prior Transfer Date	Sep 16, 2011
Prior Transfer Doc	0030300296
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON NY
Property Address	1038 PRATTS POINT WAY, ARGYLE, NY 12809
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000266
Date	Jun 2, 2021
Instrument	2021-3266

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON NY
Recording Date	Sep 2, 2025
Property Address	1038 PRATTS POINT WAY, ARGYLE, NY 12809
Document Number	0000000029
Instrument Date	Jun 9, 2025
Instrument	2025-4029
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5224 BRIDLE PATHWAY, SCHENECTADY, NY 12303-5018

Mortgage

Document Number	0000000030
Date	Sep 2, 2025
Instrument	2025-4030

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON NY
Recording Date	Jul 8, 2019
Property Address	1038 PRATTS POINT WAY, GREENWICH, NY 12834
Document Number	0000127363
Instrument Date	Jun 26, 2019
Instrument	127363
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,460.00
Amount Accuracy	Confirmed
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	41 CALVARY WAY MECHANICVILLE NY 12118, MECHANICVILLE, NY 12118

Mortgage

Document Number	127364
Date	Jul 8, 2019
Instrument	127364

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2049

Tax Assessment & Valuation

Source: Washington County and Greenwich Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Washington County
County Subdivision	Greenwich Town
Unified School District	Greenwich Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,393.00 (+44.31%)	$470,000 (-5.91%) Land $52,100 Building $417,900	$470,000 (-5.91%) Land $52,100 Building $417,900
2024	$7,202.00 (-29.72%)	$499,500 (+12.65%) Land $52,100 Building $447,400	$499,500 (+12.65%) Land $52,100 Building $447,400
2023		$443,400 (+7%) Land $52,100 Building $391,300	$443,400 (+7%) Land $52,100 Building $391,300
2022		$414,400 Land $52,100 Building $362,300	$414,400 Land $52,100 Building $362,300
2021	$10,247.00

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, effective July 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Feb 1981 · rainfall accumulation

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 96% of the US · lower than 95% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Hudson Valley Wireless.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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