Clinton County and Saranac Town property record for 270 Cold Brook Rd, Saranac, NY 12981
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,800 sqft · built 2006 |
| Lot Size | 109 acres (4,761,108 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,842 (2026) |
| Deeds & Mortgages | May 2024 Line of Credit Mar 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 094489 260.-1-8 |
| Primary APN | 094489 260.-1-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| 2nd Floor Area | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Foundation Type | Raised |
| Lot Area | 4,761,108 sqft (109 acres) |
| Garage Type | Detached |
| Garage Area | 1,120 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 442 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Wood |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 270 COLD BROOK RD |
|---|---|
| City | SARANAC |
| State | NY |
| Zip | 12981-2506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Block | 1 |
| Legal Lot Number | 8.000 |
| Jurisdiction | CLINTON NY |
| Township / Civil Division | SARANAC |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 103800 |
270 Cold Brook Rd, a rural home, is owned and occupied by an individual.
Source: Clinton County and Saranac Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 270 COLD BROOK RD, SARANAC, NY 12981-2506 |
| 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.
| Date | Document |
|---|---|
| May 1, 2024 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Mar 30, 2019 | Deed of Trust, Mortgage · Line of Credit TD BK NA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 270 COLD BROOK RD, SARANAC, NY 12981-2506 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000337319 |
|---|---|
| Date | May 1, 2024 |
| Instrument | 20240-00337319 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 270 COLD BROOK RD, SARANAC, NY 12981-2506 |
| Document Number | 0000300549 |
| Instrument Date | Mar 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 270 COLD BROOK RD SARANAC NY 129812506, SARANAC, NY 12981-2506 |
| Document Number | 0000300549 |
|---|---|
| Date | Apr 29, 2019 |
| Instrument | 300549 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 28, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 270 Cold Brook Rd was $7,842 with a homeowner's exemption, up 199.7% from the year before.
Source: Clinton County and Saranac Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Clinton County |
| County Subdivision | Saranac Town |
| Unified School District | Saranac Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,842.00 (+199.66%) Homeowner's exemption | ||
| 2025 | $2,617.00 | $325,000 Land $94,000 Building $231,000 | $351,900 Land $101,780 Building $250,120 |
| 2023 | $325,000 Land $94,000 Building $231,000 | $325,000 Land $94,000 Building $231,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 270 Cold Brook Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 risk around 270 Cold Brook 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.
Source: FCC Broadband Data Collection, as of December 31, 2025
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