Clinton County and Saranac Town property record for 146 River Rd, Saranac, NY 12981
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 936 sqft · built 1990 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $115,000 (Apr 2023) |
| Tax Bill | $2,719 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 094489 261.-1-37.32 |
| Primary APN | 094489 261.-1-37.32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Detached |
| Garage Area | 1,152 sqft |
| Parking Spaces | 4 Parking Spaces |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 146 RIVER RD |
|---|---|
| City | SARANAC |
| State | NY |
| Zip | 12981-2804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 72 T4OMT |
| Legal Block | 1 |
| Legal Lot Number | 37.032 |
| Jurisdiction | CLINTON NY |
| Township / Civil Division | SARANAC |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 103800 |
Source: Clinton County and Saranac 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 | Individual Name on Record |
|---|---|
| Mailing Address | 146 RIVER RD, SARANAC, NY 12981-2804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Apr 24, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 24, 2023 · Amount on Record |
| Deed Sale | Apr 24, 2023 · Amount on Record |
| Deed Document Number | 2023330911 |
| Prior Transfer Date | Apr 20, 2023 |
| Prior Transfer Doc | 0000330911 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Recording Date | Sep 2, 2026 |
| Property Address | 146 RIVER RD, SARANAC, NY 12981-2804 |
| Document Number | 0000352387 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 2026352387 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 146 RIVER RD, SARANAC, NY 12981-2804 |
| Document Number | 0000352387, |
|---|---|
| Date | Sep 2, 2026 |
| Instrument | 2026352387 |
| Name | LOANDEPOT.COM LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLINTON NY |
| Recording Date | Apr 24, 2023 |
| Property Address | 146 RIVER RD, SARANAC, NY 12981-2804 |
| Document Number | 0000330911 |
| Instrument Date | Apr 20, 2023 |
| Instrument | 20230-00330911 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 146 RIVER RD, SARANAC, NY 12981-2804 |
| Document Number | 23000330912 |
|---|---|
| Date | Apr 24, 2023 |
| Instrument | 230-00330912 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Clinton County and Saranac Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Clinton County |
| County Subdivision | Saranac Town |
| Unified School District | Saranac Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,719.00 (+295.78%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $687.00 | $129,000 (-) Land $22,000 Building $107,000 | $139,700 (+8.29%) Land $23,825 Building $115,875 |
| 2023 | $129,000 Land $22,000 Building $107,000 | $129,000 Land $22,000 Building $107,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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.
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.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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