433 Smith Rd, Gouverneur, NY 13642 Property Records

St. Lawrence County and Fowler Town property record for 433 Smith Rd, Gouverneur, NY 13642

Property Summary

Property Type	Mobile Home
Details	3 bd · 1.5 ba · 1,485 sqft · built 2000
Lot Size	6.3 acres (274,428 sqft)
Owner	Individual Name on File
Tax Bill	$2,429 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2020 Sale & Mortgage
APN	`403800 186.001-2-24.12`

Property Details

APN / Parcel Number

Primary APN	`403800 186.001-2-24.12`
Alternative APN	`380018600100020240120000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,485 sqft Living Area
1st Floor Area	1,485 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	274,428 sqft (6.3 acres)
Lot Width	844 ft Width
Garage Type	Mixed
Garage Area	780 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	403800 186.001-2-24.12
Street Address	433 SMITH RD
City	GOUVERNEUR
State	NY
Zip	13642-3314
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Block	2
Legal Lot Number	24.012
Jurisdiction	ST LAWRENCE NY
Township / Civil Division	FOWLER
Census Block Group	1
Census Block	1069
Census Tract	492600

Owner

433 Smith Rd, a mobile home, is owned and occupied by an individual who acquired it in March 2006.

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

Owner of Record	Individual Name on File
Mailing Address	433 SMITH RD, GOUVERNEUR, NY 13642-3314
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
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK NA
Oct 28, 2020	Warranty Deed, Transfer · Conventional with PMI NORTHERN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 17, 2006
Transfer Doc	2006004666
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LAWRENCE NY
Property Address	433 SMITH RD, GOUVERNEUR, NY 13642-3314
Transaction Type	Mortgage
Record Updated	May 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007249
Date	Jul 24, 2020
Instrument	R-2020-00007249

Lender

Name	COMMUNITY BANK NA
Type	Bank
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Aug 1, 2025

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LAWRENCE NY
Recording Date	Oct 28, 2020
Property Address	433 SMITH RD, GOUVERNEUR, NY 13642-3314
Document Number	0000011534
Instrument Date	Oct 8, 2020
Instrument	11534
Transaction Type	Transfer
Record Updated	Nov 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$496.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 COUNTY ROUTE 20 RICHVILLE NY 136813149, RICHVILLE, NY 13681-3149

Mortgage

Document Number	11535
Date	Oct 28, 2020
Instrument	11535

Lender

Name	NORTHERN CU
Address	WATERTOWN, NY 13601

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Oct 27, 2040

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

The 2026 property tax bill for 433 Smith Rd was $2,429, down 1.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,429.00 (-1.5%)
2025	$2,466.00 (+3.01%)	$9,200 (-) Land $2,500 Building $6,700	$115,000 (-) Land $31,250 Building $83,750
2024	$2,394.00	$9,200 (-) Land $2,500 Building $6,700	$115,000 (+1%) Land $31,250 Building $83,750
2023		$9,200 Land $2,500 Building $6,700	$104,545 Land $28,409 Building $76,136

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 433 Smith Rd; there have been 5 flood claims nearby since 1998.

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	4 in force
Nearby Flood Claims	5 (1998–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Aug 2024 · Remnants Of Tropical Storm Debby
Claims by Event	Severe Storms And Flooding, Jan 1998 · 3 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 433 Smith 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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