186 Rugar St, Plattsburgh, NY 12901 Property Records

Clinton County and Plattsburgh City property record for 186 Rugar St, Plattsburgh, NY 12901

Property Summary

Property Type	Apartments (5+ Units)
Details	5,338 sqft · built 1987
Lot Size	2 acres (87,120 sqft)
Owner	2 Company Names on Record
Tax Bill	$20,121 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`091300 221.9-3-4.1`

Property Details

APN / Parcel Number

Primary APN	`091300 221.9-3-4.1`
Alternative APN	`130022100900030040010000`

Interior

Units	24 Units
Stories	2 Stories
Building Area	5,338 sqft Gross Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	87,120 sqft (2 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	320 sqft
Shed	1 Shed
Canopy	40 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	186 RUGAR ST
City	PLATTSBURGH
State	NY
Zip	12901-2229
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	03 - MULTI
Legal Description	6-4 UNIT APT BLDGS & LOT
Legal Block	3
Legal Lot Number	4.001
Jurisdiction	CLINTON NY
Township / Civil Division	PLATTSBURGH
Census Block Group	5
Census Block	5008
Census Tract	101000

Owner

Source: Clinton County and Plattsburgh City records, as of March 30, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	68 COGAN AVE, PLATTSBURGH, NY 12901-2503
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage CHAMPLAIN NAT'L BK
Dec 22, 2020	Loan Modification, Mortgage CHAMPLAIN NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	186 RUGAR ST, PLATTSBURGH, NY 12901-2229
Document Number	0000312551
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	CLINTON ABSTRACT, CLINTON ABS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	68 COGAN AVE PLATTSBURGH NY 129012503, PLATTSBURGH, NY 12901-2503

Mortgage

Document Number	0000312551
Date	Dec 22, 2020
Instrument	312551

Lender

Name	CHAMPLAIN NAT'L BK
Address	3900 NYS ROUTE 22, WILLSBORO, NY 12996-4505

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Dec 21, 2032

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLINTON NY
Property Address	186 RUGAR ST, PLATTSBURGH, NY 12901-2229
Document Number	0000312552
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	CLINTON ABSTRACT, CLINTON ABS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1296 PLATTSBURGH NY 129010150, PLATTSBURGH, NY 12901-0150

Mortgage

Document Number	0000312552
Date	Dec 22, 2020
Instrument	312552

Lender

Name	CHAMPLAIN NAT'L BK
Address	3900 NYS ROUTE 22, WILLSBORO, NY 12996-4505

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Dec 21, 2032

Tax Assessment & Valuation

Source: Clinton County and Plattsburgh City assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Clinton County
Municipality	Plattsburgh City
Unified School District	Plattsburgh City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$20,121.00	$1,524,500 (-) Land $49,800 Building $1,474,700	$1,524,500 (-) Land $49,800 Building $1,474,700
2023		$1,524,500 Land $49,800 Building $1,474,700	$1,524,500 Land $49,800 Building $1,474,700

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 June 20, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	PLATTSBURGH CITY serves 24,173 people · EPA ID NY0900217
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: Westelcom Networks.

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