294 Narrows Rd, Chateaugay, NY 12920 Property Records

Clinton County and Ellenburg Town property record for 294 Narrows Rd, Chateaugay, NY 12920

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 960 sqft · built 1997
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Jul 2026)
Tax Bill	$7,481 (2026)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093600 141.3-1-3.4-2`

Property Details

APN / Parcel Number

Primary APN	`093600 141.3-1-3.4-2`
Alternative APN	`360014100300010030040002`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	912 sqft
Finished Basement	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	158 ft deep x 110 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	840 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	294 NARROWS RD
City	CHATEAUGAY
State	NY
Zip	12920-1904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 STEPHENSON
Legal Block	1
Legal Lot Number	3.004
Jurisdiction	CLINTON NY
Township / Civil Division	ELLENBURG
Census Block Group	4
Census Block	4050
Census Tract	103512

Owner

294 Narrows Rd is owned by two individuals who bought it in July 2026.

Source: Clinton County and Ellenburg Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3293 HARBOR POINT RD, BALDWIN, NY 11510-5140
Owner Type	Individual
Vesting	Tenants by the Entirety

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 22, 2026	Warranty Deed, Transfer
Jul 21, 2026	Deed of Trust, Mortgage COMMUNITY BANK
Sep 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON VALLEY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2026 · Amount on File
Deed Sale	Jul 22, 2026 · Amount on File
Prior Sale	May 12, 1997 · Amount on File
Deed Document Number	2026351630
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON NY
Recording Date	Jul 22, 2026
Property Address	294 NARROWS RD, CHATEAUGAY, NY 12920-1904
Document Number	0000351630
Instrument Date	Jul 8, 2026
Instrument	2026351630
Transaction Type	Transfer
Record Updated	Aug 12, 2026

Transaction

Amount	Amount 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
Relationship	Tenants by the Entirety
Address	3293 HARBOR POINT RD, BALDWIN, NY 11510-5140

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Recording Date	Jul 21, 2026
Property Address	294 NARROWS RD, CHATEAUGAY, NY 12920-1904
Document Number	0000351597
Instrument Date	Jun 30, 2026
Instrument	2026351597
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 NARROWS RD, CHATEAUGAY, NY 12920-1904

Mortgage

Document Number	0000351597,
Date	Jul 21, 2026
Instrument	2026351597

Lender

Name	COMMUNITY BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	294 NARROWS RD, CHATEAUGAY, NY 12920-1904
Transaction Type	Mortgage
Record Updated	Oct 19, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000319268
Date	Sep 22, 2021
Instrument	20210-00319268

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 294 Narrows Rd was $7,481, up 0.2% from the year before.

Source: Clinton County and Ellenburg Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Clinton County
County Subdivision	Ellenburg Town
Unified School District	Northern Adirondack Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,481.00 (+0.23%)
2025	$7,464.00	$400,000 Land $118,500 Building $281,500	$400,000 Land $118,500 Building $281,500
2023		$285,000 Land $94,500 Building $190,500	$285,000 Land $94,500 Building $190,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 294 Narrows 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	5 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 294 Narrows 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.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G and 4G LTE (outdoors only)

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