12709 Ridge Rd, Sackets Harbor, NY 13685 Property Records

Jefferson County and Hounsfield Town property record for 12709 Ridge Rd, Sackets Harbor, NY 13685

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2 ba · 2,200 sqft · built 1900
Lot Size	15.8 acres (689,119 sqft)
Owner	Individual Name on File
Last Sale	$159,900 (Mar 2016)
Tax Bill	$5,533 (2026)
Deeds & Mortgages	Nov 2024 Refinance Apr 2020 Mortgage
APN	`223889 88.20-1-96`

Property Details

APN / Parcel Number

Primary APN	`223889 88.20-1-96`
Alternative APN	`38890880200001096000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,200 sqft Living Area
1st Floor Area	1,728 sqft
Upper Floors Area	472 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	689,119 sqft (15.8 acres)
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	1,304 sqft
Patio Area	600 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	223889 88.20-1-96
Street Address	12709 RIDGE RD
City	SACKETS HARBOR
State	NY
Zip	13685-3117
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	1
Legal Lot Number	96.000
Jurisdiction	JEFFERSON NY
Township / Civil Division	HOUNSFIELD
Census Block Group	2
Census Block	2047
Census Tract	60402

Owner

12709 Ridge Rd, a residential property, is owned and occupied by an individual who bought it in March 2016.

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

Owner of Record	Individual Name on File
Mailing Address	12709 RIDGE RD, SACKETS HARBOR, NY 13685-3117
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
Nov 25, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN FEDERAL CU
Apr 23, 2020	Deed of Trust, Mortgage WATERTOWN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2016 · Amount on File
Deed Sale	Mar 10, 2016 · Amount on File
Prior Sale	Aug 18, 2015
Deed Book / Page	2016 / 3203
Prior Transfer Date	Jul 11, 2008
Prior Transfer Doc	0000011704
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON NY
Property Address	12709 RIDGE RD, SACKETS HARBOR, NY 13685-3117
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017505
Date	Nov 25, 2024
Instrument	2024-00017505

Lender

Name	NORTHERN FEDERAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2034

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON NY
Property Address	12709 RIDGE RD, SACKETS HARBOR, NY 13685-3117
Document Number	0000004732
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	BROWNELL ABSTRACT CORPORATION, BROWNELL ABS CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12709 RIDGE RD SACKETS HARBOR NY 136853117, SACKETS HARBOR, NY 13685-3117

Mortgage

Document Number	0000004732
Date	Apr 28, 2020
Instrument	4732

Lender

Name	WATERTOWN SVGS BK
Type	Federal Savings Bank
Address	WATERTOWN, NY 13601

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 12709 Ridge Rd was $5,533 with a homeowner's exemption, up 0.1% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Jefferson County
County Subdivision	Hounsfield Town
Unified School District	Sackets Harbor Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,533.00 (+0.05%) Homeowner's exemption
2025	$5,530.00	$277,500 Land $86,000 Building $191,500	$311,798 Land $96,629 Building $215,169
2023		$277,500 (+47.45%) Land $86,000 Building $191,500	$277,500 (+23.86%) Land $86,000 Building $191,500
2022	Homeowner's exemption	$188,200 Land $28,400 Building $159,800	$224,048 Land $33,810 Building $190,238

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

Flood

FEMA's flood maps do not cover 12709 Ridge Rd; 4 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 12709 Ridge Rd 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 37 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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