196 E Lake Rd, Cossayuna, NY 12823 Property Records

Washington County and Greenwich Town property record for 196 E Lake Rd, Cossayuna, NY 12823

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,424 sqft · built 2007
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Aug 2021)
Tax Bill	$13,080 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`533489 198.8-1-18`

Property Details

APN / Parcel Number

Primary APN	`533489 198.8-1-18`
Alternative APNs	`348919800800010180000000` `885J100943`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,424 sqft Living Area
1st Floor Area	1,456 sqft
Basement Area	240 sqft
Finished Basement	240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	95 ft deep x 276 ft wide
View / Lot	Waterfront / Beach
Garage Type	Detached
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	306 sqft
Canopy	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	885J100943
Street Address	196 E LAKE RD
City	COSSAYUNA
State	NY
Zip	12823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	COT & L
Legal Block	1
Legal Lot Number	18.000
Jurisdiction	WASHINGTON NY
Township / Civil Division	GREENWICH
Census Block Group	1
Census Block	1001
Census Tract	89000

Owner

196 E Lake Rd is owned by two individuals who bought it in August 2021.

Source: Washington County and Greenwich Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 116, COSSAYUNA, NY 12823-0116
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
Aug 19, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
Jul 17, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on File
Deed Sale	Aug 19, 2021 · Amount on File
Prior Sale	Sep 17, 2020 · Amount on File
Deed Document Number	20215023
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON NY
Recording Date	Aug 19, 2021
Property Address	196 E LAKE RD, COSSAYUNA, NY 12823
Document Number	23
Instrument Date	Aug 11, 2021
Instrument	2021-5023
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RONALD PL, SCHENECTADY, NY 12303-4911

Mortgage

Document Number	24
Date	Aug 19, 2021
Instrument	2021-5024

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON NY
Recording Date	Jul 17, 2020
Property Address	196 E LAKE RD, COSSAYUNA, NY 12823
Document Number	0000003137
Instrument Date	Jun 19, 2020
Instrument	3137
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$20.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 E LAKE RD FORT EDWARD NY 12828, FORT EDWARD, NY 12828

Tax Assessment & Valuation

The 2026 property tax bill for 196 E Lake Rd was $13,080, up 2.7% from the year before.

Source: Washington County and Greenwich Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Washington County
County Subdivision	Greenwich Town
Unified School District	Greenwich Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,080.00 (+2.72%)
2025	$12,734.00	$622,300 Land $50,000 Building $572,300	$622,300 Land $50,000 Building $572,300
2023		$515,000 (+22.53%) Land $50,000 Building $465,000	$515,000 (+22.53%) Land $50,000 Building $465,000
2022		$420,300 Land $50,000 Building $370,300	$420,300 Land $50,000 Building $370,300
2021	$7,962.00

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

Flood

FEMA maps place 196 E Lake Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Feb 1981 · rainfall accumulation

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 196 E Lake 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	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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Hudson Valley Wireless.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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