38245 State Rte 12E, Clayton, NY 13624 Property Records

Jefferson County and Clayton Town property record for 38245 State Rte 12E, Clayton, NY 13624

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 4,640 sqft · built 2011
Lot Size	3.1 acres (135,036 sqft)
Owner	2 Individual Names on Record
Last Sale	$961,500 (Aug 2018)
Tax Bill	$14,359 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2018 Sale
APN	`223289 19.20-1-29.1`

Property Details

APN / Parcel Number

Primary APN	`223289 19.20-1-29.1`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	4,640 sqft Living Area
1st Floor Area	2,900 sqft
Basement Area	1,740 sqft
Finished Basement	1,740 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	135,036 sqft (3.1 acres)
Lot Width	440 ft Width
View / Lot	Waterfront
Garage Type	Attached
Garage Area	374 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Shed	1 Shed
Boat Access	Boat Access
Boat House	Boat House

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	223289 19.20-1-29.1
Street Address	38245 STATE ROUTE 12E
City	CLAYTON
State	NY
Zip	13624-2211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MD
Legal Block	1
Legal Lot Number	29.100
Jurisdiction	JEFFERSON NY
Township / Civil Division	CLAYTON
Census Block Group	2
Census Block	2017
Census Tract	60202

Owner

Source: Jefferson County and Clayton 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	38245 STATE ROUTE 12E, CLAYTON, NY 13624-2211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · ARM WATERTOWN SAVINGS BANK
Aug 2, 2018	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2018 · Amount on Record
Deed Sale	Aug 2, 2018 · Amount on Record
Prior Sale	Sep 25, 2002 · Amount on Record
Deed Document Number	201811139
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON NY
Property Address	38245 STATE ROUTE 12E, CLAYTON, NY 13624-2211
Transaction Type	Mortgage
Record Updated	Sep 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000013726
Date	Aug 20, 2021
Instrument	20210-00013726

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Sep 1, 2026
Index	1-Year CMT

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON NY
Recording Date	Aug 2, 2018
Property Address	38245 STATE ROUTE 12E, CLAYTON, NY 13624-2211
Document Number	0000011139
Instrument Date	Aug 1, 2018
Instrument	11139
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CLERMONT PARK FARMINGTON CT 060321571, FARMINGTON, CT 06032-1571

Tax Assessment & Valuation

Source: Jefferson County and Clayton Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Jefferson County
County Subdivision	Clayton Town
Unified School District	Thousand Islands Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,359.00 (-2.58%) Veteran's exemption
2025	$14,740.00 (+112.51%)	$950,000 (-) Land $334,500 Building $615,500	$989,583 (+4.17%) Land $348,437 Building $641,146
2023		$950,000 (+34.14%) Land $334,500 Building $615,500	$950,000 (+12.68%) Land $334,500 Building $615,500
2022	$6,936.00 Veteran's exemption	$708,200 Land $289,400 Building $418,800	$843,095 Land $344,524 Building $498,571

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, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
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.

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	None beyond ember reach

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 53 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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