22 Badger Rd, Saranac, NY 12981 Property Records

Clinton County and Saranac Town property record for 22 Badger Rd, Saranac, NY 12981

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,100 sqft · built 2000
Lot Size	11.6 acres (505,296 sqft)
Owner	2 Individual Names on File
Last Sale	$70,000 (Jan 2024)
Tax Bill	$8,686 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Jan 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`094489 226.-1-14.2`

Property Details

APN / Parcel Number

Primary APN	`094489 226.-1-14.2`
Alternative APN	`448922600000010140020000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,100 sqft Living Area
1st Floor Area	1,070 sqft
2nd Floor Area	1,030 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	505,296 sqft (11.6 acres)
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	395 sqft
Canopy	396 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 BADGER RD
City	SARANAC
State	NY
Zip	12981-3300
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 16 T4OMT
Legal Block	1
Legal Lot Number	14.002
Jurisdiction	CLINTON NY
Township / Civil Division	SARANAC
Census Block Group	3
Census Block	3034
Census Tract	103800

Owner

22 Badger Rd, a rural home, is owned and occupied by two individuals who bought it in January 2024.

Source: Clinton County and Saranac Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	22 BADGER RD, SARANAC, NY 12981-3300
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
Sep 12, 2023	Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION
Jan 29, 2024	Deed, Transfer
Nov 8, 2019	Warranty Deed, Transfer CENTENNIAL ABSTRACT, CENTENNIAL ABS
Nov 12, 2019	Warranty Deed, Transfer · Conventional with PMI NBT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2024 · Amount on File
Deed Sale	Jan 29, 2024 · Amount on File
Prior Sale	Nov 12, 2019 · Amount on File
Deed Document Number	202420240-00335793
Prior Transfer Date	Nov 7, 2019
Prior Transfer Doc	0000304446
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	22 BADGER RD, SARANAC, NY 12981-3300
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000333462
Date	Sep 12, 2023
Instrument	20230-00333462

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CLINTON NY
Recording Date	Jan 29, 2024
Property Address	22 BADGER RD, SARANAC, NY 12981-3300
Document Number	0000335793
Instrument Date	Jan 29, 2024
Instrument	20240-00335793
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Amount	Amount 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	22 BADGER RD, SARANAC, NY 12981-3300
Investor	Possibly a Property Investor

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON NY
Recording Date	Nov 8, 2019
Property Address	22 BADGER RD, SARANAC, NY 12981-3300
Document Number	0000304419
Instrument Date	Nov 8, 2019
Instrument	304419
Transaction Type	Transfer
Record Updated	Nov 25, 2019
Title Company	CENTENNIAL ABSTRACT, CENTENNIAL ABS

Transaction

Amount	Amount on Record
Tax	$840.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 BADGER RD SARANAC NY 129813300, SARANAC, NY 12981-3300

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON NY
Recording Date	Nov 12, 2019
Property Address	22 BADGER RD, SARANAC, NY 12981-3300
Document Number	0000304446
Instrument Date	Nov 7, 2019
Instrument	304446
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	CLINTON ABSTRACT, CLINTON ABS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,140.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9 MANLEY ST DANNEMORA NY 12929, DANNEMORA, NY 12929

Mortgage

Document Number	304447
Date	Nov 12, 2019
Instrument	304447

Lender

Name	NBT BK
Type	Bank
Address	NORWICH, NY 13815

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 22 Badger Rd was $8,686, up 199.7% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Clinton County
County Subdivision	Saranac Town
Unified School District	Saranac Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,686.00 (+199.72%)
2025	$2,898.00	$360,000 Land $38,700 Building $321,300	$389,800 Land $41,903 Building $347,897
2023		$360,000 (+7.46%) Land $38,700 Building $321,300	$360,000 (+7.46%) Land $38,700 Building $321,300
2022		$335,000 Land $30,700 Building $304,300	$335,000 Land $30,700 Building $304,300

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

Flood

FEMA maps place 22 Badger Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 22 Badger 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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