41 Mackay Rd, Potsdam, NY 13676 Property Records

St. Lawrence County and Potsdam Town property record for 41 Mackay Rd, Potsdam, NY 13676

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1999
Lot Size	5.6 acres (243,936 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Sep 2024)
Tax Bill	$4,262 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit May 2021 Mortgage + 1 more
APN	`407489 52.004-2-32.112`

Property Details

APN / Parcel Number

Primary APN	`407489 52.004-2-32.112`
Alternative APN	`748905200400020320110000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	243,936 sqft (5.6 acres)
Lot Width	255 ft Width
Garage Type	Attached
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	407489 52.004-2-32.112
Street Address	41 MACKAY RD
City	POTSDAM
State	NY
Zip	13676-3520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Subdivision	LAND OF ROGER LAROSE & CHRISTINA LAROSE
Legal Block	2
Legal Lot Number	32.112
Jurisdiction	ST LAWRENCE NY
Township / Civil Division	POTSDAM
Census Block Group	2
Census Block	2033
Census Tract	491000

Owner

41 Mackay Rd is owned by two individuals who bought it in September 2024.

Source: St. Lawrence County and Potsdam Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	60C RIGGS DR, POTSDAM, NY 13676
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 28, 2023	Deed of Trust, Mortgage · Line of Credit SEACOMM FCU
May 26, 2021	Deed of Trust, Mortgage SEACOMM FCU
Sep 24, 2024	Deed, Transfer · Conventional Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2024 · Amount on File
Deed Sale	Sep 24, 2024 · Amount on File
Deed Document Number	202410635
Prior Transfer Date	Oct 27, 2010
Prior Transfer Doc	0000002464
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LAWRENCE NY
Property Address	41 MACKAY RD, POTSDAM, NY 13676-3520
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010637
Date	Aug 28, 2023
Instrument	R-2023-00010637

Lender

Name	SEACOMM FCU
Type	Credit Union
Address	MALONE, NY 12953

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LAWRENCE NY
Property Address	41 MACKAY RD, POTSDAM, NY 13676-3520
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 MACKAY RD, POTSDAM, NY 13676-3520

Mortgage

Document Number	0000006770
Date	May 26, 2021
Instrument	R-2021-00006770

Lender

Name	SEACOMM FCU
Type	Credit Union
Address	MASSENA, NY 13662

Agreement

Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

September 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LAWRENCE NY
Recording Date	Sep 24, 2024
Property Address	41 MACKAY RD, POTSDAM, NY 13676-3520
Document Number	0000010635
Instrument Date	Sep 9, 2024
Instrument	R-2024-00010635
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 MACKAY RD, POTSDAM, NY 13676-3520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60C RIGGS DR, POTSDAM, NY 13676

Mortgage

Document Number	0000010636
Date	Sep 24, 2024
Instrument	R-2024-00010636

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 8, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 41 Mackay Rd was $4,262, up 18.9% from the year before.

Source: St. Lawrence County and Potsdam Town assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	New York
County	St. Lawrence County
County Subdivision	Potsdam Town
Unified School District	Norwood-Norfolk Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,262.00 (+18.92%)
2025	$3,584.00 (+1.56%)	$160,000 (+81.2%) Land $34,600 Building $125,400	$160,000 (+25.03%) Land $34,600 Building $125,400
2024	$3,529.00 Homeowner's exemption Veteran's exemption	$88,300 (-) Land $20,600 Building $67,700	$127,971 (+7.25%) Land $29,855 Building $98,116
2023		$88,300 Land $20,600 Building $67,700	$119,324 Land $27,838 Building $91,486

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

Flood

FEMA has no flood map on file for 41 Mackay Rd; there have been 2 flood claims nearby since 2024.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Aug 2024 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Aug 2024 · 2 claims

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 41 Mackay Rd 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	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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

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

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