155 E River Dr, Lake Luzerne, NY 12846 Property Records

Warren County and Lake Luzerne Town property record for 155 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,126 sqft · built 2010
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Tax Bill	$8,995 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2020 Loan Modification + 2 more
APN	`523200 317.12-1-16.122`

Property Details

APN / Parcel Number

Primary APN	`523200 317.12-1-16.122`
Alternative APN	`320031701200010161220000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,126 sqft Living Area
1st Floor Area	1,776 sqft
Basement Area	350 sqft
Finished Basement	350 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	65,340 sqft (1.5 acres)
Lot Dimensions	200 ft deep x 172 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	1,096 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	155 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR
Legal Block	1
Legal Lot Number	16.122
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	4
Census Block	4003
Census Tract	71000

Owner

Source: Warren County and Lake Luzerne 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	155 E RIVER DR, LAKE LUZERNE, NY 12846-1901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage GLENS FALLS NAT'L BK & TR CO
Nov 9, 2020	Loan Modification, Mortgage · Conventional Mortgage GLENS FALLS NAT'L BK & TR CO
Jul 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage GLENS FALLS NAT'L BK & TR CO
Jul 28, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 2, 2010
Transfer Doc	0041480000000085
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	155 E RIVER DR, LAKE LUZERNE, NY 12846-1901
Document Number	0000008955
Instrument Date	Nov 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 E RIVER DR LAKE LUZERNE NY 128461901, LAKE LUZERNE, NY 12846-1901

Mortgage

Document Number	0000008955
Date	Dec 29, 2020
Book Page	006256/000239
Instrument	8955

Lender

Name	GLENS FALLS NAT'L BK & TR CO
Type	Credit Union
Address	GLENS FALLS, NY 12801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 28, 2035

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WARREN NY
Property Address	155 E RIVER DR, LAKE LUZERNE, NY 12846-1901
Document Number	0000008956
Instrument Date	Nov 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 E RIVER DR LAKE LUZERNE NY 128461901, LAKE LUZERNE, NY 12846-1901

Mortgage

Document Number	0000008956
Date	Dec 29, 2020
Book Page	006256/000257
Instrument	8956

Lender

Name	GLENS FALLS NAT'L BK & TR CO
Type	Credit Union
Address	GLENS FALLS, NY 12801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 28, 2035

Interest

Rate	2.75%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	155 E RIVER DR, LAKE LUZERNE, NY 12846-1901
Document Number	0000005259
Instrument Date	Jul 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	MAPLE ABSTRACT REALTY CORPORATION, MAPLE ABS REALTY CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 E RIVER DR LAKE LUZERNE NY 128461901, LAKE LUZERNE, NY 12846-1901

Mortgage

Document Number	0000005259
Date	Aug 1, 2017
Book Page	005600/000265
Instrument	5259

Lender

Name	GLENS FALLS NAT'L BK & TR CO
Type	Credit Union
Address	GLENS FALLS, NY 12801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Jul 28, 2017
Property Address	155 E RIVER DR, LAKE LUZERNE, NY 12846-1901
Document Number	0000005152
Book / Page	005598 / 000026
Instrument Date	Jul 27, 2017
Instrument	5152
Transaction Type	Transfer
Record Updated	Sep 18, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 E RIVER DR LAKE LUZERNE NY 128461901, LAKE LUZERNE, NY 12846-1901

Tax Assessment & Valuation

Source: Warren County and Lake Luzerne Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Warren County
County Subdivision	Lake Luzerne Town
Unified School District	Hadley-Luzerne Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,995.00 (+11.56%) Homeowner's exemption
2025	$8,063.00 Homeowner's exemption	$372,000 (-) Land $121,000 Building $251,000	$630,500 (+10.17%) Land $205,082 Building $425,418
2024		$372,000 (-) Land $121,000 Building $251,000	$572,300 (+13.85%) Land $186,151 Building $386,149
2023		$372,000 Land $121,000 Building $251,000	$502,700 Land $163,513 Building $339,187

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	3 (2011–2023)
Most Recent Claim	Dec 2023 · river or lake flooding

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 94% of the US · lower than 91% of New York
Wildfire Likelihood	Under 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 60 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

Cell Coverage

5G (outdoors only) and 4G LTE

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