282 Lake Rd, Chateaugay, NY 12920 Property Records

Franklin County and Bellmont Town property record for 282 Lake Rd, Chateaugay, NY 12920

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 2003
Lot Size	1.37 acres (59,677 sqft)
Owner	2 Trust Names on File
Last Sale	$310,000 (Jul 2018)
Tax Bill	$8,014 (2026)
Deeds & Mortgages	Jul 2026 Sale Nov 2020 Sale + 1 more
APN	`1-004-05.00`

Property Details

APN / Parcel Number

Primary APN	`1-004-05.00`
Alternative APNs	`240013200400020040000000` `162400 132.4-2-4`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,716 sqft Living Area
1st Floor Area	1,196 sqft
2nd Floor Area	520 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	59,677 sqft (1.37 acres)
Lot Width	125 ft Width
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1-004-05.00
Street Address	282 LAKE RD
City	CHATEAUGAY
State	NY
Zip	12920-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DAVIS LAKE AYOTTE LAKE RD
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	FRANKLIN NY
Township / Civil Division	BELLMONT
Census Block Group	1
Census Block	1026
Census Tract	950601

Owner

282 Lake Rd is held in a trust since June 2026.

Source: Franklin County and Bellmont Town records, as of September 23, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2062 MISTY MEADOW RD, FINKSBURG, MD 21048-1741
Owner Type	Company
Vesting	Trust, Irrevocable Trust

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 1, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Nov 12, 2020	Warranty Deed, Transfer CENTENNIAL ABSTRACT, CENTENNIAL ABS
Jul 30, 2018	Warranty Deed, Transfer DANNEMORA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2018 · Amount on File
Deed Sale	Jul 30, 2018 · Amount on File
Prior Sale	Oct 3, 2000 · Amount on File
Deed Document Number	20183442
Last Transfer Date	Jun 5, 2026
Transfer Doc	0000003985
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Jul 1, 2026
Property Address	282 LAKE RD, CHATEAUGAY, NY 12920-4604
Document Number	0000003985
Instrument Date	Jun 5, 2026
Instrument	20263985
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	2062 MISTY MEADOW RD, FINKSBURG, MD 21048-1741

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Nov 12, 2020
Property Address	282 LAKE RD, CHATEAUGAY, NY 12920-4604
Document Number	0020204863
Instrument Date	Oct 28, 2020
Instrument	20204863
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	CENTENNIAL ABSTRACT, CENTENNIAL ABS

Transaction

Amount	Amount on Record
Tax	$768.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1170 SCHROON RIVER RD WARRENSBURG NY 128855201, WARRENSBURG, NY 12885-5201

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Jul 30, 2018
Property Address	282 LAKE RD, CHATEAUGAY, NY 12920-4604
Document Number	0000003442
Instrument Date	Jun 27, 2018
Instrument	2018-3442
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 176, CADYVILLE, NY 12918-0176

Mortgage

Document Number	0000003443
Date	Jul 30, 2018
Instrument	2018-3443

Lender

Name	DANNEMORA FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Type Change Date	Sep 15, 2028
Index	5-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 282 Lake Rd was $8,014, up 12.5% from the year before.

Source: Franklin County and Bellmont Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Franklin County
County Subdivision	Bellmont Town
Unified School District	Chateaugay Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,014.00 (+12.51%)
2025	$7,123.00	$302,900 Land $131,300 Building $171,600	$448,741 Land $194,519 Building $254,222
2023		$302,900 (-) Land $131,300 Building $171,600	$378,625 (+10.62%) Land $164,125 Building $214,500
2022		$302,900 Land $131,300 Building $171,600	$342,260 Land $148,362 Building $193,898
2021	$3,096.00

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 282 Lake Rd; 3 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	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

Wildfire risk around 282 Lake 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 93% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SLICFiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

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

Nearby Properties on Lake Rd

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