20 Tower Point Rd, Silver Bay, NY 12874 Property Records

Warren County and Hague Town property record for 20 Tower Point Rd, Silver Bay, NY 12874

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,072 sqft · built 1980
Lot Size	1.77 acres (77,101 sqft)
Owner	Trust Name on File
Tax Bill	$32,433 (2026)
Deeds & Mortgages	Oct 2019 Loan Modification Oct 2019 Mortgage + 3 more
APN	`522600 76.12-1-15`

Property Details

APN / Parcel Number

Primary APN	`522600 76.12-1-15`
Alternative APN	`260007601200010150000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,072 sqft Living Area
1st Floor Area	2,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	77,101 sqft (1.77 acres)
Lot Dimensions	308 ft deep x 250 ft wide
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	190 sqft
Boat Access	Boat Access
Boat House	Boat House

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	20 TOWER POINT RD
City	SILVER BAY
State	NY
Zip	12874-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	RES. & COTTAGE 370'LS 50.-1-7
Legal Block	1
Legal Lot Number	15.000
Jurisdiction	WARREN NY
Township / Civil Division	HAGUE
Census Block Group	2
Census Block	2004
Census Tract	76000

Owner

20 Tower Point Rd is owner-occupied and held in a trust since February 2011.

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

Owner of Record	Trust Name on File
Mailing Address	20 TOWER POINT RD, SILVER BAY, NY 12874-2013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Oct 25, 2019	Loan Modification, Mortgage · Conventional Mortgage GLENS FALLS NAT'L BK & TR CO
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage GLENS FALLS NAT'L BK & TR CO
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage GLENS FALLS NAT'L BK & TR CO
Feb 22, 2019	Deed of Trust, Mortgage · Line of Credit GLENS FALLS NAT'L BK & TR CO
Feb 22, 2019	Loan Modification, Mortgage · Line of Credit GLENS FALLS NAT'L BK & TR CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 14, 2011
Transfer Doc	0042100000000149
Record Updated	Oct 29, 2026

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WARREN NY
Property Address	20 TOWER POINT RD, SILVER BAY, NY 12874-2013
Document Number	0000007277
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20 TOWER POINT RD SILVER BAY NY 128742013, SILVER BAY, NY 12874-2013

Mortgage

Document Number	0000007277
Date	Nov 18, 2019
Book Page	006025/000137
Instrument	7277

Lender

Name	GLENS FALLS NAT'L BK & TR CO
Type	Credit Union
Address	GLENS FALLS, NY 12801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	144 Months
Due	Nov 17, 2031

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	20 TOWER POINT RD, SILVER BAY, NY 12874-2013
Document Number	0000007276
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20 TOWER POINT RD SILVER BAY NY 128742013, SILVER BAY, NY 12874-2013

Mortgage

Document Number	0000007276
Date	Nov 18, 2019
Book Page	006025/000116
Instrument	7276

Lender

Name	GLENS FALLS NAT'L BK & TR CO
Type	Credit Union
Address	GLENS FALLS, NY 12801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	144 Months
Due	Nov 17, 2031

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	20 TOWER POINT RD, SILVER BAY, NY 12874-2013
Document Number	0000007273
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20 TOWER POINT RD SILVER BAY NY 128742013, SILVER BAY, NY 12874-2013

Mortgage

Document Number	0000007273
Date	Nov 18, 2019
Book Page	006025/000103
Instrument	7273

Lender

Name	GLENS FALLS NAT'L BK & TR CO
Type	Credit Union
Address	GLENS FALLS, NY 12801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	20 TOWER POINT RD, SILVER BAY, NY 12874-2013
Document Number	0000001364
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 2, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 TOWER POINT RD SILVER BAY NY 128742013, SILVER BAY, NY 12874-2013

Mortgage

Document Number	0000001364
Date	Mar 6, 2019
Book Page	005897/000088
Instrument	1364

Lender

Name	GLENS FALLS NAT'L BK & TR CO
Type	Credit Union
Address	GLENS FALLS, NY 12801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WARREN NY
Property Address	20 TOWER POINT RD, SILVER BAY, NY 12874-2013
Document Number	0000001365
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 TOWER POINT RD SILVER BAY NY 128742013, SILVER BAY, NY 12874-2013

Mortgage

Document Number	0000001365
Date	Mar 6, 2019
Book Page	005897/000093
Instrument	1365

Lender

Name	GLENS FALLS NAT'L BK & TR CO
Type	Credit Union
Address	GLEN FALLS, NY 12801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 20 Tower Point Rd was $32,433 with a homeowner's exemption, up 2.5% from the year before.

Source: Warren County and Hague Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Warren County
County Subdivision	Hague Town
Unified School District	Ticonderoga Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$32,433.00 (+2.51%) Homeowner's exemption
2025	$31,640.00 Homeowner's exemption	$2,877,500 (-) Land $2,213,000 Building $664,500	$3,087,400 (+4.61%) Land $2,374,428 Building $712,972
2024		$2,877,500 (-) Land $2,213,000 Building $664,500	$2,951,300 (+2.56%) Land $2,269,757 Building $681,543
2023		$2,877,500 Land $2,213,000 Building $664,500	$2,877,500 Land $2,213,000 Building $664,500

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 20 Tower Point Rd; there have been 3 flood claims nearby since 1990.

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	3 (1990–2023)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2023 · 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

The area around 20 Tower Point Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 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: Verizon.

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