1861 Call St, Lake Luzerne, NY 12846 Property Records

Warren County and Lake Luzerne Town property record for 1861 Call St, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,140 sqft · built 1994
Lot Size	3.5 acres (152,460 sqft)
Owner	Individual Name on File
Last Sale	$189,000 (Sep 2019)
Tax Bill	$2,455 (2026)
Deeds & Mortgages	Nov 2023 Reverse Mortgage Jul 2021 Refinance + 2 more
APN	`523200 318.-1-20`

Property Details

APN / Parcel Number

Primary APN	`523200 318.-1-20`
Alternative APN	`320031800000010200000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,140 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	100 sqft
Finished Basement	100 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	152,460 sqft (3.5 acres)
Lot Dimensions	200 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1861 CALL ST
City	LAKE LUZERNE
State	NY
Zip	12846-1810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	RES 47.-1-14.1
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	3
Census Block	3027
Census Tract	71000

Owner

1861 Call St is owned and occupied by an individual who bought it in September 2019.

Source: Warren County and Lake Luzerne Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1861 CALL ST, LAKE LUZERNE, NY 12846-1810
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
Nov 30, 2023	Deed of Trust, Mortgage · Reverse Mortgage NAVY FCU
Jul 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Sep 3, 2019	Deed of Trust, Mortgage · VA Mortgage HOMESTEAD FNDG
Sep 17, 2019	Warranty Deed, Transfer · VA Mortgage HOMESTEAD FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2019 · Amount on File
Deed Sale	Sep 17, 2019 · Amount on File
Prior Sale	Jan 28, 2013 · Amount on File
Deed Document Number	20195772
Deed Book / Page	5990 / 241
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	1861 CALL ST, LAKE LUZERNE, NY 12846-1810
Transaction Type	Mortgage
Record Updated	Dec 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068690251
Date	Nov 30, 2023
Book Page	6869/251
Instrument	2023-6479

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2063

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	1861 CALL ST, LAKE LUZERNE, NY 12846-1810
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064090175
Date	Jul 15, 2021
Book Page	6409/175
Instrument	2021-6150

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	1861 CALL ST, LAKE LUZERNE, NY 12846-1810
Document Number	0000005773
Instrument Date	Sep 3, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 LAKE AVE LAKE LUZERNE NY 128462917, LAKE LUZERNE, NY 12846-2917

Mortgage

Document Number	0000005773
Date	Sep 17, 2019
Book Page	005990/000245
Instrument	5773

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2049

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Sep 17, 2019
Property Address	1861 CALL ST, LAKE LUZERNE, NY 12846-1810
Document Number	0000005772
Book / Page	005990 / 000241
Instrument Date	Sep 3, 2019
Instrument	5772
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$756.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 LAKE AVE LAKE LUZERNE NY 12846, LAKE LUZERNE, NY 12846

Mortgage

Document Number	5773
Date	Sep 17, 2019
Book Page	005990/000245
Instrument	5773

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1861 Call St was $2,455 with exemptions applied, up 4.2% from the year before.

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	$2,455.00 (+4.25%) Disabled Person's exemption Veteran's exemption
2025	$2,355.00	$157,000 Land $38,000 Building $119,000	$266,100 Land $64,406 Building $201,694
2023		$157,000 Land $38,000 Building $119,000	$212,200 Land $51,361 Building $160,839

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 1861 Call St; there have been 6 flood claims nearby since 2011.

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	3 in force
Nearby Flood Claims	6 (2011–2019)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Oct 2019 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2011 · 5 claims

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 1861 Call 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Call St

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