235 River Ledge Rd, Hammond, NY 13646 Property Records

St. Lawrence County and Hammond Town property record for 235 River Ledge Rd, Hammond, NY 13646

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,216 sqft · built 1980
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$105,000 (Oct 2017)
Tax Bill	$4,178 (2026)
Deeds & Mortgages	Jul 2026 Mortgage May 2020 Sale & Mortgage + 1 more
APN	`404289 111.039-1-5`

Property Details

APN / Parcel Number

Primary APN	`404289 111.039-1-5`
Alternative APN	`428911103900010050000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	1,216 sqft
Basement Area	816 sqft
Finished Basement	816 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	263 ft deep x 100 ft wide
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Canopy	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	404289 111.039-1-5
Street Address	235 RIVER LEDGE RD
City	HAMMOND
State	NY
Zip	13646-3231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	ALSO 2002/14531 100'WFX265X100X262
Legal Block	1
Legal Lot Number	5.000
Jurisdiction	ST LAWRENCE NY
Township / Civil Division	HAMMOND
Census Block Group	3
Census Block	3001
Census Tract	492900

Owner

235 River Ledge Rd is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	235 RIVER LEDGE RD, HAMMOND, NY 13646-3231
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
Jul 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 7, 2020	Grant Deed, Transfer · Conventional with PMI COMMUNITY BK NA
Oct 11, 2017	Warranty Deed, Transfer CITIZENS NAT'L BK/HAMMOND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2017 · Amount on File
Deed Sale	Oct 11, 2017 · Amount on File
Deed Document Number	201713919
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LAWRENCE NY
Recording Date	Jul 20, 2026
Property Address	235 RIVER LEDGE RD, HAMMOND, NY 13646-3231
Document Number	0000008634
Instrument Date	Jul 15, 2026
Instrument	20268634
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 RIVER LEDGE RD, HAMMOND, NY 13646-3231

Mortgage

Document Number	0000008634,
Date	Jul 20, 2026
Instrument	20268634

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LAWRENCE NY
Recording Date	May 7, 2020
Property Address	235 RIVER LEDGE RD, HAMMOND, NY 13646-3231
Document Number	0000004437
Instrument Date	Apr 20, 2020
Instrument	4437
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29153 WIMMER RD REDWOOD NY 136793159, REDWOOD, NY 13679-3159

Mortgage

Document Number	4438
Date	May 7, 2020
Instrument	4438

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	May 6, 2035

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LAWRENCE NY
Recording Date	Oct 11, 2017
Property Address	235 RIVER LEDGE RD, HAMMOND, NY 13646-3231
Document Number	0000013919
Instrument Date	Oct 4, 2017
Instrument	13919
Transaction Type	Transfer
Record Updated	Oct 16, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 203 HAMMOND NY 136460203, HAMMOND, NY 13646-0203

Mortgage

Document Number	13920
Date	Oct 11, 2017
Instrument	13920

Lender

Name	CITIZENS NAT'L BK/HAMMOND
Type	Bank
Address	HAMMOND, NY 13646

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 235 River Ledge Rd was $4,178, up 2.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,178.00 (+2.55%)
2025	$4,074.00	$150,000 Land $104,000 Building $46,000	$202,703 Land $140,541 Building $62,162
2023		$150,000 Land $104,000 Building $46,000	$187,500 Land $130,000 Building $57,500

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 235 River Ledge Rd; 1 flood insurance policy is 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	1 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 235 River Ledge 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 94% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Castle Cable TV Fiber	1,000 / 500
Starlink Satellite	280 / 30

May also be available: Verizon.

Nearby Properties on River Ledge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures