Clinton County and Saranac Town property record for 302 River Rd, Saranac, NY 12981
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,016 sqft · built 2024 |
| Lot Size | 46.8 acres (2,038,608 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $7,480 (2026) |
| Deeds & Mortgages | Jun 2024 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 094489 261.-1-38.3 |
| Primary APN | 094489 261.-1-38.3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,016 sqft Living Area |
| 1st Floor Area | 1,904 sqft |
| Attic | Attic |
| Attic Area | 112 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 2,038,608 sqft (46.8 acres) |
| Porch | Slab |
| Heating System | Hot Water |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 302 RIVER RD |
|---|---|
| City | SARANAC |
| State | NY |
| Zip | 12981-2848 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | LOT 72 T40MT |
| Legal Block | 1 |
| Legal Lot Number | 38.003 |
| Jurisdiction | CLINTON NY |
| Township / Civil Division | SARANAC |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 103800 |
Source: Clinton County and Saranac Town records, as of September 23, 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 | 2 MCCUTCHEON LN, A, SARANAC, NY 12981-3252 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 14, 2007 |
| Transfer Doc | 0000020072/000001062 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 302 RIVER RD, SARANAC, NY 12981-2848 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000337911 |
|---|---|
| Date | Jun 4, 2024 |
| Instrument | 20240-00337911 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jul 1, 2055 |
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 | $7,480.00 (+199.68%) | ||
| 2025 | $2,496.00 | $310,000 (+839.39%) Land $76,000 Building $234,000 | $335,700 (+917.27%) Land $82,301 Building $253,399 |
| 2023 | $33,000 Land $33,000 | $33,000 Land $33,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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