St. Lawrence County and Potsdam Town property record for 431 River Rd, Potsdam, NY 13676
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,820 sqft · built 1932 |
| Lot Size | 1.6 acres (69,696 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,500 (Oct 2022) |
| Tax Bill | $5,204 (2026) |
| Deeds & Mortgages | Jun 2025 Line of Credit Oct 2022 Mortgage + 1 more |
| APN | 407489 64.001-2-6.2 |
| Primary APN | 407489 64.001-2-6.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,820 sqft Living Area |
| 1st Floor Area | 1,280 sqft |
| Upper Floors Area | 563 sqft |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 69,696 sqft (1.6 acres) |
| Lot Width | 265 ft Width |
| Garage Type | Detached |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 238 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 407489 64.001-2-6.2 |
|---|---|
| Street Address | 431 RIVER RD |
| City | POTSDAM |
| State | NY |
| Zip | 13676-3105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2 |
| Legal Lot Number | 6.002 |
| Jurisdiction | ST LAWRENCE NY |
| Township / Civil Division | POTSDAM |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 491000 |
431 River Rd is owned and occupied by two individuals who bought it in October 2022.
Source: St. Lawrence County and Potsdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 RIVER RD, POTSDAM, NY 13676-3105 |
| 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 |
|---|---|
| Jun 23, 2025 | Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION |
| Oct 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NBT BANK NATIONAL ASSOCIATION |
| Oct 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage NBT BANK NATIONAL ASSOCIATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2022 · Amount on File |
| Deed Sale | Oct 14, 2022 · Amount on File |
| Prior Sale | Feb 12, 2016 · Amount on File |
| Deed Document Number | 202214587 |
| Prior Transfer Date | Apr 12, 2010 |
| Prior Transfer Doc | 2010006537 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LAWRENCE NY |
| Property Address | 431 RIVER RD, POTSDAM, NY 13676-3105 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 431 RIVER RD, POTSDAM, NY 13676-3105 |
| Document Number | 0000007399 |
|---|---|
| Date | Jun 23, 2025 |
| Instrument | R-2025-00007399 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LAWRENCE NY |
| Property Address | 431 RIVER RD, POTSDAM, NY 13676-3105 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 8751 US HIGHWAY 11 1, 1, POTSDAM, NY 13676-3277 |
| Document Number | 0000014588 |
|---|---|
| Date | Oct 14, 2022 |
| Instrument | R-2022-00014588 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LAWRENCE NY |
| Recording Date | Oct 14, 2022 |
| Property Address | 431 RIVER RD, POTSDAM, NY 13676-3105 |
| Document Number | 0000014587 |
| Instrument Date | Aug 31, 2022 |
| Instrument | R-2022-00014587 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $642.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8199 KIMBALL RD, BLOSSVALE, NY 13308-3107 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8751 US HIGHWAY 11 APT 1, 1, POTSDAM, NY 13676-3277 |
| Document Number | 0000014588 |
|---|---|
| Date | Oct 14, 2022 |
| Instrument | R-2022-00014588 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
The 2026 property tax bill for 431 River Rd was $5,204, up 24% from the year before.
Source: St. Lawrence County and Potsdam Town assessment roll, as of May 12, 2026
| Type | Name |
|---|---|
| State | New York |
| County | St. Lawrence County |
| County Subdivision | Potsdam Town |
| Unified School District | Potsdam Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,204.00 (+23.99%) | ||
| 2025 | $4,197.00 (+1.23%) | $189,000 (+95.65%) Land $30,600 Building $158,400 | $189,000 (+35%) Land $30,600 Building $158,400 |
| 2024 | $4,146.00 | $96,600 (-) Land $16,600 Building $80,000 | $140,000 (+7.25%) Land $24,058 Building $115,942 |
| 2023 | $96,600 Land $16,600 Building $80,000 | $130,541 Land $22,433 Building $108,108 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 431 River Rd.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 431 River 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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