401 Rugar St, Plattsburgh, NY 12901 Property Records

Clinton County and Plattsburgh Town property record for 401 Rugar St, Plattsburgh, NY 12901

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,908 sqft · built 1824
Lot Size	0.547 acres (23,838 sqft)
Owner	Individual Name on File
Last Sale	$138,000 (May 2006)
Tax Bill	$3,713 (2026)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`094200 220.-4-7`

Property Details

APN / Parcel Number

Primary APN	`094200 220.-4-7`
Alternative APN	`420022000000040070000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,908 sqft Living Area
1st Floor Area	1,470 sqft
Upper Floors Area	438 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1824
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	23,838 sqft (0.547 acres)
Lot Dimensions	137 ft deep x 174 ft wide
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Patio
Porch Area	738 sqft
Patio Area	1,056 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	401 RUGAR ST
City	PLATTSBURGH
State	NY
Zip	12901-3109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T3C
Legal Description	LOT 31 PAT POP
Legal Block	4
Legal Lot Number	7.000
Jurisdiction	CLINTON NY
Township / Civil Division	PLATTSBURGH
Census Block Group	1
Census Block	1018
Census Tract	101600

Owner

401 Rugar St is owned and occupied by an individual who bought it in May 2006.

Source: Clinton County and Plattsburgh Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	401 RUGAR ST, PLATTSBURGH, NY 12901-3109
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2019	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MTG
Sep 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2006 · Amount on File
Deed Sale	May 4, 2006 · Amount on File
Prior Sale	Dec 12, 1995 · Amount on File
Deed Book / Page	20061 / 94036
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON NY
Recording Date	Sep 25, 2019
Property Address	401 RUGAR ST, PLATTSBURGH, NY 12901-3109
Document Number	0000303430
Instrument Date	Sep 16, 2019
Instrument	303430
Transaction Type	Transfer
Record Updated	Oct 11, 2019
Title Company	CENTENNIAL ABSTRACT, CENTENNIAL ABS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$522.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 RIVER RD FAIRFAX VT 054549596, FAIRFAX, VT 05454-9596

Mortgage

Document Number	303431
Date	Sep 25, 2019
Instrument	303431

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	401 RUGAR ST, PLATTSBURGH, NY 12901-3109
Document Number	0000303431
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 4, 2019
Title Company	CENTENNIAL ABSTRACT, CENTENNIAL ABS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 RIVER RD FAIRFAX VT 054549596, FAIRFAX, VT 05454-9596

Mortgage

Document Number	0000303431
Date	Sep 25, 2019
Instrument	303431

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 401 Rugar St was $3,713, up 217.6% from the year before.

Source: Clinton County and Plattsburgh Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Clinton County
County Subdivision	Plattsburgh Town
Unified School District	Beekmantown Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,713.00 (+217.62%)
2025	$1,169.00	$161,000 Land $29,000 Building $132,000	$170,200 Land $30,657 Building $139,543
2023		$133,000 Land $23,200 Building $109,800	$156,500 Land $27,299 Building $129,201

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 401 Rugar St in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 401 Rugar St is low, with less than 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 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PLATTSBURGH CONSOLIDATED WATER DISTRICT serves 11,162 people · EPA ID NY0900220
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Westelcom Networks.

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