2284 River Rd, Potsdam, NY 13676 Property Records

St. Lawrence County and Pierrepont Town property record for 2284 River Rd, Potsdam, NY 13676

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1 ba · 831 sqft · built 1953
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Aug 2023)
Tax Bill	$2,304 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2023 Second Mortgage + 1 more
APN	`407000 91.001-5-6`

Property Details

APN / Parcel Number

Primary APN	`407000 91.001-5-6`
Alternative APN	`700009100100050060000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	831 sqft Living Area
1st Floor Area	741 sqft
Upper Floors Area	90 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	37,897 sqft (0.87 acres)
Lot Dimensions	302 ft deep x 150 ft wide
View / Lot	Waterfront
Porch	Slab
Porch Area	42 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Wood
Sewer	Septic

Location & Zoning

Account Number	407000 91.001-5-6
Street Address	2284 RIVER RD
City	POTSDAM
State	NY
Zip	13676
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	R-R
Legal Subdivision	HOWARD M SMITH SURVEYOR 7744
Legal Block	5
Legal Lot Number	6.000
Jurisdiction	ST LAWRENCE NY
Township / Civil Division	PIERREPONT
Census Block Group	2
Census Block	2057
Census Tract	492302

Owner

2284 River Rd, a residential property, is owned by two individuals who bought it in August 2023.

Source: St. Lawrence County and Pierrepont Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	529 S CANTON RD, POTSDAM, NY 13676-3162
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
Feb 13, 2026	Deed of Trust, Mortgage NORTH COUNTRY SAVINGS BANK
Aug 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTH COUNTRY SAVINGS BANK
Oct 23, 2017	Warranty Deed, Transfer MASSENA S&L ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2023 · Amount on File
Deed Sale	Aug 3, 2023 · Amount on File
Prior Sale	Aug 20, 2009 · Amount on File
Deed Document Number	20239488
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LAWRENCE NY
Property Address	2284 RIVER RD, POTSDAM, NY 13676
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001947
Date	Feb 13, 2026
Instrument	R-2026-00001947

Lender

Name	NORTH COUNTRY SAVINGS BANK
Type	Bank
Address	CANTON, NY 13617

Agreement

Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LAWRENCE NY
Property Address	2284 RIVER RD, POTSDAM, NY 13676
Transaction Type	Mortgage
Record Updated	Aug 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009489
Date	Aug 3, 2023
Instrument	R-2023-00009489

Lender

Name	NORTH COUNTRY SAVINGS BANK
Type	Bank
Address	CANTON, NY 13617

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2043

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LAWRENCE NY
Recording Date	Oct 23, 2017
Property Address	2284 RIVER RD, POTSDAM, NY 13676
Document Number	0000014574
Instrument Date	Sep 12, 2017
Instrument	14574
Transaction Type	Transfer
Record Updated	Oct 27, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	105 RIVER RD WADDINGTON NY 136944103, WADDINGTON, NY 13694-4103

Mortgage

Document Number	14575
Date	Oct 23, 2017
Instrument	14575

Lender

Name	MASSENA S&L ASSN
Type	Federal Savings Bank
Address	MASSENA, NY 13662

Agreement

Amount	Amount on Record
Term	300 Months
Due	Oct 22, 2042

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2026 property tax bill for 2284 River Rd was $2,304, up 8.5% from the year before.

Source: St. Lawrence County and Pierrepont Town assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	New York
County	St. Lawrence County
County Subdivision	Pierrepont Town
Unified School District	Colton-Pierrepont Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,304.00 (+8.53%)
2025	$2,123.00	$55,000 Land $39,700 Building $15,300	$85,938 Land $62,032 Building $23,906
2023		$55,000 Land $39,700 Building $15,300	$73,333 Land $52,933 Building $20,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 2284 River Rd; 2 flood insurance policies are in force nearby.

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	2 in force

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 2284 River Rd is low, with less than 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 95% of the US · lower than 94% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 36 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

Cell Coverage

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

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