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

Warren County and Lake Luzerne Town property record for 362 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,384 sqft · built 1975
Lot Size	4.71 acres (205,168 sqft)
Owner	Individual Name on Record
Tax Bill	$3,720 (2026)
Deeds & Mortgages	Apr 2023 Refinance Mar 2023 Sale + 1 more
APN	`523200 312.20-1-40`

Property Details

APN / Parcel Number

Primary APN	`523200 312.20-1-40`
Alternative APN	`320031202000010400000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,384 sqft Living Area
1st Floor Area	1,384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	205,168 sqft (4.71 acres)
Lot Dimensions	200 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	362 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-1909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	RES 48.-1-6
Legal Block	1
Legal Lot Number	40.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	4
Census Block	4007
Census Tract	71000

Owner

Source: Warren County and Lake Luzerne Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	362 E RIVER DR, LAKE LUZERNE, NY 12846-1909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON RIVER COMMUNITY FCU
Mar 29, 2023	Warranty Deed, Transfer
Jan 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUDSON RIVER CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 29, 2023
Transfer Doc	0067700187
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	362 E RIVER DR, LAKE LUZERNE, NY 12846-1909
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067760169
Date	Apr 14, 2023
Book Page	6776/169
Instrument	2023-1948

Lender

Name	HUDSON RIVER COMMUNITY FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Mar 29, 2023
Property Address	362 E RIVER DR, LAKE LUZERNE, NY 12846-1909
Document Number	0067700187
Book / Page	6770 / 187
Instrument Date	Mar 29, 2023
Instrument	2023-1640
Transaction Type	Transfer
Record Updated	Apr 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 E RIVER DR, LAKE LUZERNE, NY 12846-1909

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	362 E RIVER DR, LAKE LUZERNE, NY 12846-1909
Document Number	0000000104
Instrument Date	Jan 2, 2019
Transaction Type	Mortgage
Record Updated	Feb 1, 2019
Title Company	BAY STREET ABSTRACT, BAY STREET ABS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 E RIVER DR LAKE LUZERNE NY 128461909, LAKE LUZERNE, NY 12846-1909

Mortgage

Document Number	0000000104
Date	Jan 7, 2019
Book Page	005871/000134
Instrument	104

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 6, 2034

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	$3,720.00 (+5.11%) Homeowner's exemption
2025	$3,539.00 Homeowner's exemption	$168,000 (-) Land $44,000 Building $124,000	$284,700 (+10.14%) Land $74,564 Building $210,136
2024		$168,000 (-) Land $44,000 Building $124,000	$258,500 (+13.88%) Land $67,702 Building $190,798
2023		$168,000 Land $44,000 Building $124,000	$227,000 Land $59,452 Building $167,548

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	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, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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