Jefferson County and Pamelia Town property record for 23241 Gardner Dr, Watertown, NY 13601
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,846 sqft · built 1986 |
| Lot Size | 0.844 acres (36,801 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,559 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| APN | 224889 74.14-1-37.671 |
| Primary APN | 224889 74.14-1-37.671 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,846 sqft Living Area |
| 1st Floor Area | 966 sqft |
| 2nd Floor Area | 624 sqft |
| Upper Floors Area | 256 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 36,801 sqft (0.844 acres) |
| Lot Dimensions | 261 ft deep x 141 ft wide |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 112 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 224889 74.14-1-37.671 |
|---|---|
| Street Address | 23241 GARDNER DR |
| City | WATERTOWN |
| State | NY |
| Zip | 13601-5138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GARDNER SUB LOT 19 |
| Legal Block | 1 |
| Legal Lot Number | 37.671 |
| Jurisdiction | JEFFERSON NY |
| Township / Civil Division | PAMELIA |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 60500 |
23241 Gardner Dr is owned and occupied by two individuals.
Source: Jefferson County and Pamelia Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23241 GARDNER DR, WATERTOWN, NY 13601-5138 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON NY |
| Property Address | 23241 GARDNER DR, WATERTOWN, NY 13601-5138 |
| Document Number | 0000014282 |
| Instrument Date | Sep 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Title Company | BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23241 GARDNER DR WATERTOWN NY 136015138, WATERTOWN, NY 13601-5138 |
| Document Number | 0000014282 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | 14282 |
| Name | HSBC BK USA NA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 4, 2035 |
The 2026 property tax bill for 23241 Gardner Dr was $4,559 with a homeowner's exemption, up 1% from the year before.
Source: Jefferson County and Pamelia Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Jefferson County |
| County Subdivision | Pamelia Town |
| Unified School District | General Brown Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,559.00 (+0.95%) Homeowner's exemption | ||
| 2025 | $4,516.00 | $236,500 Land $51,400 Building $185,100 | $251,596 Land $54,681 Building $196,915 |
| 2023 | $236,500 Land $51,400 Building $185,100 | $236,500 Land $51,400 Building $185,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA's flood maps do not cover 23241 Gardner Dr; there have been 1 flood claim nearby since 1999.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1999) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 1999 · tidal / storm surge |
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 risk around 23241 Gardner Dr 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
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