13 Chestnut St, Potsdam, NY 13676 Property Records

St. Lawrence County and Potsdam Town property record for 13 Chestnut St, Potsdam, NY 13676

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,930 sqft · built 1900
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$224,000 (Jul 2026)
Tax Bill	$7,442 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2018 Sale & Line of Credit
APN	`407403 64.059-9-8.1`

Property Details

APN / Parcel Number

Primary APN	`407403 64.059-9-8.1`
Alternative APN	`740306405900090080000000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,930 sqft Living Area
1st Floor Area	1,392 sqft
2nd Floor Area	1,192 sqft
Attic	Attic
Attic Area	276 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1950
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	165 ft deep x 118 ft wide
Porch	Slab
Porch Area	357 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	407403 64.059-9-8.1
Street Address	13 CHESTNUT ST
City	POTSDAM
State	NY
Zip	13676-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	9
Legal Lot Number	8.001
Jurisdiction	ST LAWRENCE NY
Township / Civil Division	POTSDAM
Census Block Group	3
Census Block	3004
Census Tract	490800

Owner

13 Chestnut St is owned by two individuals who bought it in July 2026.

Source: St. Lawrence County and Potsdam 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	7 CRESCENT ST, CANTON, NY 13617-1105
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK NATIONAL ASSOCIATION
Aug 17, 2018	Warranty Deed, Transfer · Line of Credit NORTH CNTRY SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on File
Deed Sale	Jul 21, 2026 · Amount on File
Prior Sale	Aug 17, 2018 · Amount on File
Deed Document Number	20268740
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LAWRENCE NY
Recording Date	Jul 21, 2026
Property Address	13 CHESTNUT ST, POTSDAM, NY 13676-1801
Document Number	0000008740
Instrument Date	May 5, 2026
Instrument	20268740
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90,496.00
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	7 CRESCENT ST, CANTON, NY 13617-1105

Mortgage

Document Number	0000008741,
Date	Jul 21, 2026
Instrument	20268741

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LAWRENCE NY
Recording Date	Aug 17, 2018
Property Address	13 CHESTNUT ST, POTSDAM, NY 13676-1801
Document Number	0000010696
Instrument Date	Jul 30, 2018
Instrument	10696
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$536.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	27 LAWRENCE AVE POTSDAM NY 136761817, POTSDAM, NY 13676-1817

Mortgage

Document Number	10697
Date	Aug 17, 2018
Instrument	10697

Lender

Name	NORTH CNTRY SVGS BK
Type	Federal Savings Bank
Address	CANTON, NY 13617

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%

Tax Assessment & Valuation

The 2026 property tax bill for 13 Chestnut St was $7,442, up 18.1% from the year before.

Source: St. Lawrence County and Potsdam Town assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	New York
County	St. Lawrence County
County Subdivision	Potsdam Town
Municipality	Potsdam Village
Unified School District	Potsdam Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,442.00 (+18.05%)
2025	$6,304.00	$182,000 Land $31,200 Building $150,800	$182,000 Land $31,200 Building $150,800
2023		$105,500 Land $15,100 Building $90,400	$142,568 Land $20,405 Building $122,163

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA has no flood map on file for 13 Chestnut St; there have been 1 flood claim nearby since 2024.

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Remnants Of Tropical Storm Debby

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 13 Chestnut St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	POTSDAM VILLAGE serves 8,312 people · EPA ID NY4404397
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 320 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
SLICFiber Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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