Clinton County and Saranac Town property record for 296 Ryan Rd, Saranac, NY 12981
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,883 sqft · built 1991 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,778 (2026) |
| Deeds & Mortgages | Nov 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 094489 202.-3-28 |
| Primary APN | 094489 202.-3-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,883 sqft Living Area |
| 1st Floor Area | 996 sqft |
| 2nd Floor Area | 887 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 56,628 sqft (1.3 acres) |
| Garage Type | Mixed |
| Garage Area | 1,666 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Slab |
| Porch Area | 1,047 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 296 RYAN RD |
|---|---|
| City | SARANAC |
| State | NY |
| Zip | 12981-3437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 3 |
| Legal Lot Number | 28.000 |
| Jurisdiction | CLINTON NY |
| Township / Civil Division | SARANAC |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 103800 |
296 Ryan Rd is owned and occupied by two individuals.
Source: Clinton County and Saranac Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 296 RYAN RD, SARANAC, NY 12981-3437 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 296 RYAN RD, SARANAC, NY 12981-3437 |
| Document Number | 0000304694 |
| Instrument Date | Nov 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | CLINTON ABSTRACT, CLINTON ABS |
| Name | Verified Name |
|---|---|
| Address | 296 RYAN RD SARANAC NY 129813437, SARANAC, NY 12981-3437 |
| Document Number | 0000304694 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 304694 |
| Name | SEACOMM FCU |
|---|---|
| Type | Credit Union |
| Address | MALONE, NY 12953 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 24, 2029 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 296 Ryan Rd was $4,778 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 | $4,778.00 (+199.75%) Homeowner's exemption | ||
| 2025 | $1,594.00 | $198,000 Land $32,600 Building $165,400 | $214,400 Land $35,300 Building $179,100 |
| 2023 | $198,000 Land $32,600 Building $165,400 | $198,000 Land $32,600 Building $165,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 296 Ryan Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 20, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 296 Ryan 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, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| SLICFiber Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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