20 Smith St, Rouses Point, NY 12979 Property Records

Clinton County and Champlain Town property record for 20 Smith St, Rouses Point, NY 12979

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,248 sqft · built 1970
Lot Size	0.431 acres (18,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Jul 2002)
Tax Bill	$5,286 (2026)
Deeds & Mortgages	Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`092803 35.6-1-10`

Property Details

APN / Parcel Number

Primary APN	`092803 35.6-1-10`
Alternative APN	`280303500600010100000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,248 sqft Living Area
1st Floor Area	1,624 sqft
Basement Area	1,624 sqft
Finished Basement	1,624 sqft
Unfinished Basement	1,624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Raised Ranch
Exterior Material	Composition/Composite
Lot Area	18,800 sqft (0.431 acres)
Lot Dimensions	188 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	436 sqft
Canopy	228 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20 SMITH ST
City	ROUSES POINT
State	NY
Zip	12979-1603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDV BEACON HGTS LOT
Legal Block	1
Legal Lot Number	10.000
Jurisdiction	CLINTON NY
Township / Civil Division	CHAMPLAIN
Census Block Group	3
Census Block	3016
Census Tract	100102

Owner

Source: Clinton County and Champlain 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	2 Individual Names on Record
Mailing Address	20 SMITH ST, ROUSES POINT, NY 12979-1603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2002 · Amount on Record
Deed Sale	Jul 31, 2002 · Amount on Record
Deed Book / Page	20021 / 45259
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	20 SMITH ST, ROUSES POINT, NY 12979-1603
Document Number	0000304221
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	HOLCOMBE ABSTRACT, HOLCOMBE ABS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SMITH ST ROUSES POINT NY 129791603, ROUSES POINT, NY 12979-1603

Mortgage

Document Number	0000304221
Date	Oct 29, 2019
Instrument	304221

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Clinton County and Champlain Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Clinton County
County Subdivision	Champlain Town
Municipality	Rouses Point Village
Unified School District	Northeastern Clinton Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,286.00 (+609.53%) Homeowner's exemption
2025	$745.00	$223,500 (+16.95%) Land $29,600 Building $193,900	$223,500 (+16.95%) Land $29,600 Building $193,900
2023		$191,100 Land $29,600 Building $161,500	$191,100 Land $29,600 Building $161,500

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	4 (2011)
Most Recent Claim	May 2011 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2011 · 3 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	ROUSES POINT VILLAGE WD serves 2,550 people · EPA ID NY0900223
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 180 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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