123 Union St, Black River, NY 13612 Property Records

Jefferson County and Le Ray Town property record for 123 Union St, Black River, NY 13612

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,137 sqft · built 1910
Lot Size	0.232 acres (10,140 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Nov 2016)
Tax Bill	$3,863 (2026)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`224001 75.49-1-14`

Property Details

APN / Parcel Number

Primary APN	`224001 75.49-1-14`
Alternative APN	`40010750490001014000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,137 sqft Living Area
1st Floor Area	650 sqft
Upper Floors Area	487 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,140 sqft (0.232 acres)
Lot Dimensions	195 ft deep x 52 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	297 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	224001 75.49-1-14
Street Address	123 UNION ST
City	BLACK RIVER
State	NY
Zip	13612-3150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	1
Legal Lot Number	14.000
Jurisdiction	JEFFERSON NY
Township / Civil Division	LE RAY
Census Block Group	2
Census Block	2164
Census Tract	60806

Owner

123 Union St is owned and occupied by an individual who bought it in November 2016.

Source: Jefferson County and Le Ray Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	123 UNION ST, BLACK RIVER, NY 13612-3150
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2016 · Amount on File
Deed Sale	Nov 21, 2016 · Amount on File
Prior Sale	Jul 29, 2016 · Amount on File
Deed Book / Page	2016 / 16670
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Jul 3, 2019
Property Address	123 UNION ST, BLACK RIVER, NY 13612-3150
Document Number	0000010450
Instrument Date	Jun 10, 2019
Instrument	10450
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$702.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 HOWE ST BLACK RIVER NY 136122126, BLACK RIVER, NY 13612-2126

Mortgage

Document Number	10451
Date	Jul 3, 2019
Instrument	10451

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 123 Union St was $3,863, up 5.5% from the year before.

Source: Jefferson County and Le Ray Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Jefferson County
County Subdivision	Le Ray Town
Municipality	Black River Village
Unified School District	Carthage Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,863.00 (+5.52%)
2025	$3,661.00	$204,100 Land $21,300 Building $182,800	$204,100 Land $21,300 Building $182,800
2023		$183,800 Land $21,300 Building $162,500	$195,532 Land $22,660 Building $172,872

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

Flood

FEMA maps place 123 Union St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 123 Union St is low, with less than 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 95% of the US · lower than 94% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20