12 Mud Lake Rd, #15, Argyle, NY 12809 Property Records

Washington County and Argyle Town property record for 12 Mud Lake Rd, #15, Argyle, NY 12809

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 1,708 sqft · built 1880
Lot Size	96.1 acres (4,187,423 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,181 (2026)
Deeds & Mortgages	Oct 2013 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`532089 174.-1-14.3`

Property Details

APN / Parcel Number

Primary APN	`532089 174.-1-14.3`
Alternative APN	`208917400000010140030000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,708 sqft Living Area
1st Floor Area	1,168 sqft
Upper Floors Area	540 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1950
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	4,187,423 sqft (96.1 acres)
Lot Dimensions	140 ft deep x 300 ft wide
Garage Type	Detached

Exterior Amenities

Porch	Patio
Porch Area	180 sqft
Shed	1 Shed
Canopy	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12 MUD LAKE RD, 15
City	ARGYLE
State	NY
Zip	12809-2942
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	NONE
Legal Description	EX&RES IN 890/329
Legal Block	1
Legal Lot Number	14.003
Jurisdiction	WASHINGTON NY
Township / Civil Division	ARGYLE
Census Block Group	1
Census Block	1038
Census Tract	87000

Owner

12 Mud Lake Rd, #15 is owned and occupied by two individuals who acquired it in November 2014.

Source: Washington County and Argyle Town records, as of September 23, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	12 MUD LAKE RD, ARGYLE, NY 12809-2942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 19, 2014
Transfer Doc	0034710233
Record Updated	Oct 29, 2026

October 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON NY
Property Address	12-15 MUD LAKE RD, ARGYLE, NY 12809
Document Number	0000004658
Instrument Date	Oct 18, 2013
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 MUD LAKE RD ARGYLE NY 128092942, ARGYLE, NY 12809-2942

Mortgage

Document Number	0000004658
Date	Sep 28, 2020
Instrument	4658

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 12 Mud Lake Rd, #15 was $7,181 with a homeowner's exemption, up 21.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,181.00 (+21.63%) Homeowner's exemption
2025	$5,904.00 Homeowner's exemption	$246,000 (-) Land $117,400 Building $128,600	$336,986 (+13.7%) Land $160,822 Building $176,164
2024		$246,000 (-) Land $117,400 Building $128,600	$296,386 (+3.61%) Land $141,446 Building $154,940
2023		$246,000 (-) Land $117,400 Building $128,600	$286,047 (+16.28%) Land $136,512 Building $149,535
2022		$246,000 Land $117,400 Building $128,600	$246,000 Land $117,400 Building $128,600
2021	$5,487.00

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

Flood

FEMA maps place 12 Mud Lake Rd, #15 in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 12 Mud Lake Rd, #15 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	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)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Hudson Valley Wireless.

Cell Coverage

5G and 4G LTE (outdoors only)

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