Clinton County and Champlain Town property record for 43 Smith St, Rouses Point, NY 12979
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,971 sqft · built 1976 |
| Lot Size | 0.359 acres (15,670 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,081 (2026) |
| Deeds & Mortgages | Nov 2023 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 092803 35.6-1-36 |
| Primary APN | 092803 35.6-1-36 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,971 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 867 sqft |
| Finished Basement | 867 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 15,670 sqft (0.359 acres) |
| Lot Dimensions | 156 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 576 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 43 SMITH ST |
|---|---|
| City | ROUSES POINT |
| State | NY |
| Zip | 12979-1602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEACON HGTS LOT 39 MAP BK 5 PG 117 |
| Legal Block | 1 |
| Legal Lot Number | 36.000 |
| Jurisdiction | CLINTON NY |
| Township / Civil Division | CHAMPLAIN |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 100102 |
43 Smith St is owned and occupied by two individuals who acquired it in November 2023.
Source: Clinton County and Champlain Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 43 SMITH ST, ROUSES POINT, NY 12979-1602 |
| 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 |
|---|---|
| Nov 16, 2023 | Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 22, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 4, 2023 |
| Transfer Doc | 0000334717 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLINTON NY |
| Recording Date | Nov 16, 2023 |
| Property Address | 43 SMITH ST, ROUSES POINT, NY 12979-1602 |
| Document Number | 0000334717 |
| Instrument Date | Nov 4, 2023 |
| Instrument | 20230-00334717 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000334719 |
|---|---|
| Date | Nov 16, 2023 |
| Instrument | 20230-00334719 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 43 SMITH ST, ROUSES POINT, NY 12979-1602 |
| Document Number | 0000309831 |
| Instrument Date | Aug 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 43 SMITH ST ROUSES POINT NY 129791602, ROUSES POINT, NY 12979-1602 |
| Document Number | 0000309831 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 309831 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 3, 2035 |
The 2026 property tax bill for 43 Smith St was $6,081, up 608.7% from the year before.
Source: Clinton County and Champlain Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Clinton County |
| County Subdivision | Champlain Town |
| Municipality | Rouses Point Village |
| Unified School District | Northeastern Clinton Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,081.00 (+608.74%) | ||
| 2025 | $858.00 | $257,100 Land $28,100 Building $229,000 | $257,100 Land $28,100 Building $229,000 |
| 2023 | $219,800 (-) Land $28,100 Building $191,700 | $219,800 (-) Land $28,100 Building $191,700 | |
| 2022 | $219,800 Land $28,100 Building $191,700 | $219,800 Land $28,100 Building $191,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Smith St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.
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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 4 (2011) |
| Most Recent Claim | May 2011 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds |
| Claims by Event |
|
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 43 Smith 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 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 180 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 |
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