Warren County and Lake Luzerne Town property record for 361 E River Dr, Lake Luzerne, NY 12846
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,842 sqft · built 1960 |
| Lot Size | 1.21 acres (52,708 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,192 (2026) |
| Deeds & Mortgages | Mar 2021 Refinance Jul 2018 Mortgage |
| APN | 523200 312.16-1-1.2 |
| Primary APN | 523200 312.16-1-1.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,842 sqft Living Area |
| 1st Floor Area | 1,842 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 52,708 sqft (1.21 acres) |
| Lot Dimensions | 200 ft deep x 202 ft wide |
| View / Lot | Waterfront |
| Shed | 1 Shed |
| Gazebo | 78 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 361 E RIVER DR |
|---|---|
| City | LAKE LUZERNE |
| State | NY |
| Zip | 12846-1908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RT |
| Legal Description | RES 48.-1-35.2 |
| Legal Block | 1 |
| Legal Lot Number | 1.002 |
| Jurisdiction | WARREN NY |
| Township / Civil Division | LAKE LUZERNE |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 71000 |
361 E River Dr is owned and occupied by two individuals.
Source: Warren County and Lake Luzerne Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 658, LAKE LUZERNE, NY 12846-0658 |
| 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.
| Date | Document |
|---|---|
| Mar 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE FIRST CAPITAL LLC |
| Jul 26, 2018 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN NY |
| Property Address | 361 E RIVER DR, LAKE LUZERNE, NY 12846-1908 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0063190162 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 6319/162 |
| Instrument | 2021-2388 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN NY |
| Property Address | 361 E RIVER DR, LAKE LUZERNE, NY 12846-1908 |
| Document Number | 0000004960 |
| Instrument Date | Jul 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 361 E RIVER DR LAKE LUZERNE NY 128461908, LAKE LUZERNE, NY 12846-1908 |
| Document Number | 0000004960 |
|---|---|
| Date | Aug 3, 2018 |
| Book Page | 005794/000261 |
| Instrument | 4960 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 2, 2048 |
The 2026 property tax bill for 361 E River Dr was $8,192 with a homeowner's exemption, up 5.1% from the year before.
Source: Warren County and Lake Luzerne Town assessment roll, as of April 27, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Warren County |
| County Subdivision | Lake Luzerne Town |
| Unified School District | Hadley-Luzerne Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,192.00 (+5.11%) Homeowner's exemption | ||
| 2025 | $7,794.00 | $370,000 Land $225,000 Building $145,000 | $627,100 Land $381,345 Building $245,755 |
| 2023 | $370,000 Land $225,000 Building $145,000 | $500,000 Land $304,054 Building $195,946 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 361 E River Dr; there have been 3 flood claims nearby since 2011.
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 File 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 risk around 361 E River Dr 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 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.
5G (outdoors only) and 4G LTE
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