22 E River Dr, Lake Luzerne, NY 12846 Property Records

Warren County and Lake Luzerne Town property record for 22 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,125 sqft · built 1950
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on Record
Last Sale	$113,000 (Feb 2026)
Tax Bill	$1,656 (2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Sep 2025 Refinance + 1 more
APN	`523200 317.16-2-33`

Property Details

APN / Parcel Number

Primary APN	`523200 317.16-2-33`
Alternative APN	`320031701600020330000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,125 sqft Living Area
1st Floor Area	750 sqft
Upper Floors Area	375 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	107 ft deep x 101 ft wide
Porch	Slab
Porch Area	208 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	22 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR
Legal Description	RES,GAR 53.-1-13
Legal Block	2
Legal Lot Number	33.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	4
Census Block	4010
Census Tract	71000

Owner

Source: Warren County and Lake Luzerne 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	Company Name on Record
Mailing Address	116 WEST AVE, 211, SARATOGA SPRINGS, NY 12866-6199
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed, Transfer AMERISTAR FINANCIAL CORPORATION
Sep 12, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISTAR FINANCIAL CORPORATION
Nov 21, 2025	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	Jul 16, 2025 · Amount on Record
Deed Book / Page	7199 / 118
Prior Transfer Date	Nov 7, 2004
Prior Transfer Doc	1417000052
Record Updated	Oct 29, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NY
Recording Date	Feb 17, 2026
Property Address	22 E RIVER DR, LAKE LUZERNE, NY 12846-1704
Document Number	0071990118
Book / Page	7199 / 118
Instrument Date	Feb 13, 2026
Instrument	2026-1178
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Amount	Amount Recorded
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	116 WEST AVE UNIT 211, 211, SARATOGA SPRINGS, NY 12866-6199

Mortgage

Document Number	0071990121
Date	Feb 17, 2026
Book Page	7199/121
Instrument	2026-1179

Lender

Name	AMERISTAR FINANCIAL CORPORATION

Agreement

Amount	Amount Recorded

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	22 E RIVER DR, LAKE LUZERNE, NY 12846-1704
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0071290316
Date	Sep 12, 2025
Book Page	7129/316
Instrument	2025-5047

Lender

Name	AMERISTAR FINANCIAL CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NY
Recording Date	Nov 21, 2025
Property Address	22 E RIVER DR, LAKE LUZERNE, NY 12846-1704
Document Number	0071620123
Book / Page	7162 / 123
Instrument Date	Sep 15, 2025
Instrument	2025-6531
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 E RIVER DR, LAKE LUZERNE, NY 12846-1704
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$1,656.00 (+11.52%)
2025	$1,485.00 (+3.27%)	$67,500 (-) Land $26,500 Building $41,000	$114,400 (+10.21%) Land $44,913 Building $69,487
2024	$1,438.00	$67,500 (-) Land $26,500 Building $41,000	$103,800 (+13.82%) Land $40,751 Building $63,049
2023		$67,500 Land $26,500 Building $41,000	$91,200 Land $35,804 Building $55,396

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	3 (2011–2023)
Most Recent Claim	Dec 2023 · river or lake flooding

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 97% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 196 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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