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

Warren County and Lake Luzerne Town property record for 270 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1956
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$30,000 (Mar 2016)
Tax Bill	$2,666 (2026)
Deeds & Mortgages	Mar 2023 Refinance Sep 2020 Mortgage + 1 more
APN	`523200 317.8-1-47`

Property Details

APN / Parcel Number

Primary APN	`523200 317.8-1-47`
Alternative APN	`320031700800010470000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	44,867 sqft (1.03 acres)
Lot Dimensions	200 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	336 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	270 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	RES. 48.-1-27
Legal Block	1
Legal Lot Number	47.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	4
Census Block	4007
Census Tract	71000

Owner

Source: Warren County and Lake Luzerne Town records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	270 E RIVER DR, LAKE LUZERNE, NY 12846-1905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED STATES OF AMERICA
Sep 9, 2020	Deed of Trust, Mortgage SARATOGAS CMNTY FCU
Aug 15, 2018	Deed of Trust, Mortgage SARATOGA CMNTY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2016 · Amount on Record
Deed Sale	Mar 28, 2016 · Amount on Record
Prior Sale	Dec 22, 2015 · Amount on Record
Deed Book / Page	5330 / 6
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	270 E RIVER DR, LAKE LUZERNE, NY 12846-1905
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067670072
Date	Mar 21, 2023
Book Page	6767/72
Instrument	2023-1437

Lender

Name	UNITED STATES OF AMERICA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	270 E RIVER DR, LAKE LUZERNE, NY 12846-1905
Document Number	0000006719
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 E RIVER DR LAKE LUZERNE NY 128461905, LAKE LUZERNE, NY 12846-1905

Mortgage

Document Number	0000006719
Date	Oct 15, 2020
Book Page	006205/000120
Instrument	6719

Lender

Name	SARATOGAS CMNTY FCU
Type	Credit Union
Address	SARATOGA SPRINGS, NY 12866

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	270 E RIVER DR, LAKE LUZERNE, NY 12846-1905
Document Number	0000005675
Instrument Date	Aug 15, 2018
Transaction Type	Mortgage
Record Updated	Sep 25, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 E RIVER DR LAKE LUZERNE NY 128461905, LAKE LUZERNE, NY 12846-1905

Mortgage

Document Number	0000005675
Date	Sep 4, 2018
Book Page	005810/000087
Instrument	5675

Lender

Name	SARATOGA CMNTY FCU
Address	SARATOGA SPRINGS, NY 12866

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2048

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	$2,666.00 (+5.08%)
2025	$2,537.00	$122,000 (-) Land $34,500 Building $87,500	$206,800 (+25.41%) Land $58,480 Building $148,320
2023		$122,000 Land $34,500 Building $87,500	$164,900 Land $46,632 Building $118,268

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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