12787 Ridge Rd, Sackets Harbor, NY 13685 Property Records

Jefferson County and Hounsfield Town property record for 12787 Ridge Rd, Sackets Harbor, NY 13685

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2 ba · 2,216 sqft · built 1874
Lot Size	19.9 acres (869,022 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,000 (Aug 2021)
Tax Bill	$6,082 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Line of Credit + 1 more
APN	`223889 89.00-1-55.22`

Property Details

APN / Parcel Number

Primary APN	`223889 89.00-1-55.22`
Alternative APN	`38890890000001055220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,216 sqft Living Area
1st Floor Area	1,389 sqft
Upper Floors Area	827 sqft

Exterior

Year Built	Built 1874
Effective Year Built	Effective 1874
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	869,022 sqft (19.9 acres)

Exterior Amenities

Porch	Slab
Porch Area	819 sqft
Shed	1 Shed
Silo	Silo

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	223889 89.00-1-55.22
Street Address	12787 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	55.220
Jurisdiction	JEFFERSON NY
Township / Civil Division	HOUNSFIELD
Census Block Group	2
Census Block	2047
Census Tract	60402

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 12670, ALBANY, NY 12212-2670
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage NORTHERN FEDERAL CU
Oct 2, 2023	Deed of Trust, Mortgage · Line of Credit NORTHERN FEDERAL CU
Aug 5, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHERN FEDERAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2021 · Amount on Record
Deed Sale	Aug 5, 2021 · Amount on Record
Deed Document Number	202112716
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON NY
Property Address	12787 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	0000016296
Date	Oct 28, 2025
Instrument	2025-00016296

Lender

Name	NORTHERN FEDERAL CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON NY
Property Address	12787 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	0000015170
Date	Oct 2, 2023
Instrument	2023-00015170

Lender

Name	NORTHERN FEDERAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Aug 5, 2021
Property Address	12787 RIDGE RD, SACKETS HARBOR, NY 13685-3117
Document Number	0000012716
Instrument Date	Aug 4, 2021
Instrument	2021-00012716
Transaction Type	Transfer
Record Updated	Apr 16, 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
Relationship	Tenants by the Entirety
Address	21033 STORRS RD, SACKETS HARBOR, NY 13685-3172

Mortgage

Document Number	21000012717
Date	Aug 5, 2021
Instrument	210-00012717

Lender

Name	NORTHERN FEDERAL CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$6,082.00 (+0.05%)
2025	$6,079.00 (+183.27%)	$307,100 (-) Land $89,800 Building $217,300	$345,056 (+12.36%) Land $100,899 Building $244,157
2023		$307,100 (+78.34%) Land $89,800 Building $217,300	$307,100 (+49.8%) Land $89,800 Building $217,300
2022	$2,146.00	$172,200 Land $24,800 Building $147,400	$205,000 Land $29,524 Building $175,476

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 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

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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