172 River Rd, Potsdam, NY 13676 Property Records

St. Lawrence County and Potsdam Town property record for 172 River Rd, Potsdam, NY 13676

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,502 sqft · built 1990
Lot Size	2.3 acres (100,188 sqft)
Owner	2 Individual Names on File
Last Sale	$292,500 (Jun 2019)
Tax Bill	$11,648 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2019 Sale & Mortgage + 2 more
APN	`407489 64.002-2-2`

Property Details

APN / Parcel Number

Primary APN	`407489 64.002-2-2`
Alternative APN	`748906400200020020000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,502 sqft Living Area
1st Floor Area	980 sqft
2nd Floor Area	464 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Rustic
Exterior Material	Wood
Lot Area	100,188 sqft (2.3 acres)
Lot Width	426 ft Width
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	700 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio
Porch Area	400 sqft
Patio Area	274 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	407489 64.002-2-2
Street Address	172 RIVER RD
City	POTSDAM
State	NY
Zip	13676-3101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	88SP7500/88SP15500
Legal Subdivision	ST LAWRENCE RIVER PROJECT
Legal Block	2
Legal Lot Number	2.000
Jurisdiction	ST LAWRENCE NY
Township / Civil Division	POTSDAM
Census Block Group	4
Census Block	4001
Census Tract	491000

Owner

172 River Rd is owned and occupied by two individuals who bought it in June 2019.

Source: St. Lawrence County and Potsdam Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	172 RIVER RD, POTSDAM, NY 13676-3101
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
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jun 19, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRPORT SVGS BK
Apr 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK
Apr 13, 2017	Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI COMMUNITY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2019 · Amount on File
Deed Sale	Jun 19, 2019 · Amount on File
Prior Sale	Jan 15, 2016 · Amount on File
Deed Document Number	20197904
Prior Transfer Date	Jan 5, 2000
Prior Transfer Doc	2000001834
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LAWRENCE NY
Property Address	172 RIVER RD, POTSDAM, NY 13676-3101
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 RIVER RD, POTSDAM, NY 13676-3101

Mortgage

Document Number	12279
Date	Sep 14, 2021
Instrument	R-2021-00012279

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LAWRENCE NY
Recording Date	Jun 19, 2019
Property Address	172 RIVER RD, POTSDAM, NY 13676-3101
Document Number	0000007904
Instrument Date	May 24, 2019
Instrument	7904
Transaction Type	Transfer
Record Updated	Jul 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	24 THORNRIDGE RD SPRINGFIELD PA 190642322, SPRINGFIELD, PA 19064-2322

Mortgage

Document Number	7905
Date	Jun 19, 2019
Instrument	7905

Lender

Name	FAIRPORT SVGS BK
Type	Federal Savings Bank
Address	FAIRPORT, NY 14450

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LAWRENCE NY
Property Address	172 RIVER RD, POTSDAM, NY 13676-3101
Document Number	0000005035
Instrument Date	Apr 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 RIVER RD POTSDAM NY 136763101, POTSDAM, NY 13676-3101

Mortgage

Document Number	0000005035
Date	Apr 18, 2017
Instrument	5035

Lender

Name	COMMUNITY BK
Type	Bank
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2047

Interest

Rate Type	Fixed Rate

April 2017: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	ST LAWRENCE NY
Property Address	172 RIVER RD, POTSDAM, NY 13676-3101
Document Number	0000005036
Instrument Date	Apr 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 RIVER RD POTSDAM NY 136763101, POTSDAM, NY 13676-3101

Mortgage

Document Number	0000005036
Date	Apr 18, 2017
Instrument	5036

Lender

Name	COMMUNITY BK
Type	Bank
Address	OLEAN, NY 14760

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2047

Interest

Rate Type	Fixed Rate
Rate	5.12%

Tax Assessment & Valuation

The 2026 property tax bill for 172 River Rd was $11,648, down 9.1% 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
Unified School District	Potsdam Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,648.00 (-9.11%)
2025	$12,816.00	$423,000 Land $41,300 Building $381,700	$423,000 Land $41,300 Building $381,700
2023		$295,000 Land $25,000 Building $270,000	$398,649 Land $33,784 Building $364,865

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

Flood

FEMA has no flood map on file for 172 River Rd.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 172 River 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 16 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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