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

Warren County and Lake Luzerne Town property record for 35 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 1950
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Dec 2011)
Tax Bill	$3,434 (2026)
Deeds & Mortgages	Mar 2022 Refinance Jun 2021 Refinance + 1 more
APN	`523200 317.16-1-52`

Property Details

APN / Parcel Number

Primary APN	`523200 317.16-1-52`
Alternative APN	`320031701600010520000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,244 sqft Living Area
1st Floor Area	876 sqft
Upper Floors Area	368 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	92 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	35 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-1705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR
Legal Description	RES,GAR 52.-2-19
Legal Block	1
Legal Lot Number	52.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	4
Census Block	4004
Census Tract	71000

Owner

Source: Warren County and Lake Luzerne 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	2 Individual Names on Record
Mailing Address	35 E RIVER DR, LAKE LUZERNE, NY 12846-1705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON RIVER COMMUNITY FCU
Jun 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON RIVER COMMUNITY FCU
Nov 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUDSON RIVER CMNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2011 · Amount on Record
Deed Sale	Dec 16, 2011 · Amount on Record
Prior Sale	Feb 3, 2010 · Amount on Record
Deed Book / Page	4387 / 294
Prior Transfer Date	Dec 15, 2011
Prior Transfer Doc	0043870294
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	35 E RIVER DR, LAKE LUZERNE, NY 12846-1731
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065750196
Date	Mar 2, 2022
Book Page	6575/196
Instrument	2022-1886

Lender

Name	HUDSON RIVER COMMUNITY FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2032

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	35 E RIVER DR, LAKE LUZERNE, NY 12846-1731
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063910001
Date	Jun 16, 2021
Book Page	6391/1
Instrument	2021-5351

Lender

Name	HUDSON RIVER COMMUNITY FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2031

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	35 E RIVER DR, LAKE LUZERNE, NY 12846-1731
Document Number	0000007172
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 E RIVER DR LAKE LUZERNE NY 128461705, LAKE LUZERNE, NY 12846-1705

Mortgage

Document Number	0000007172
Date	Nov 13, 2019
Book Page	006022/000211
Instrument	7172

Lender

Name	HUDSON RIVER CMNTY CU
Type	Credit Union
Address	CORINTH, NY 12822

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 12, 2024

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	$3,434.00 (+11.49%) Homeowner's exemption
2025	$3,080.00 Homeowner's exemption	$140,000 (-) Land $28,000 Building $112,000	$237,300 (+10.17%) Land $47,460 Building $189,840
2024		$140,000 (-) Land $28,000 Building $112,000	$215,400 (+13.85%) Land $43,080 Building $172,320
2023		$140,000 (-) Land $28,000 Building $112,000	$189,200 (+16.22%) Land $37,840 Building $151,360
2022	Homeowner's exemption	$140,000 Land $28,000 Building $112,000	$162,800 Land $32,560 Building $130,240

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	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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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