439 E River Dr, Lake Luzerne, NY 12846 Property Records

Warren County and Lake Luzerne Town property record for 439 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,746 sqft · built 2018
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,513 (2026)
Deeds & Mortgages	Oct 2021 Refinance Nov 2018 Line of Credit
APN	`523200 312.16-1-15`

Property Details

APN / Parcel Number

Primary APN	`523200 312.16-1-15`
Alternative APN	`320031201600010150000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,746 sqft Living Area
1st Floor Area	1,284 sqft
2nd Floor Area	462 sqft
Upper Floors Area	396 sqft
Basement Area	674 sqft
Finished Basement	674 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Contemporary
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	82,764 sqft (1.9 acres)
Lot Dimensions	200 ft deep x 240 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	346 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	439 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-1912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	RES 43.-1-15
Legal Block	1
Legal Lot Number	15.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	3
Census Block	3029
Census Tract	71000

Owner

Source: Warren County and Lake Luzerne Town records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	439 E RIVER DR, LAKE LUZERNE, NY 12846-1912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Nov 14, 2018	Trustee's Deed, Construction Loan · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	439 E RIVER DR, LAKE LUZERNE, NY 12846-1912
Transaction Type	Mortgage
Record Updated	Nov 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064770069
Date	Oct 21, 2021
Book Page	6477/69
Instrument	2021-8970

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2050

November 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WARREN NY
Recording Date	Nov 14, 2018
Property Address	439 E RIVER DR, LAKE LUZERNE, NY 12846-1912
Book / Page	005848 / 000024
Instrument Date	Nov 9, 2018
Instrument	7466
Transaction Type	Construction Loan
Record Updated	Dec 11, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 E RIVER DR LAKE LUZERNE NY 128461912, LAKE LUZERNE, NY 12846-1912

Mortgage

Document Number	0000007466
Date	Nov 14, 2018
Book Page	005848/000024
Instrument	7466

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Warren County and Lake Luzerne Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Warren County
County Subdivision	Lake Luzerne Town
Unified School District	Hadley-Luzerne Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,513.00 (+5.11%)
2025	$10,953.00	$520,000 (-) Land $195,000 Building $325,000	$881,400 (+25.43%) Land $330,525 Building $550,875
2023		$520,000 Land $195,000 Building $325,000	$702,700 Land $263,512 Building $439,188

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

Flood

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	3 in force
Nearby Flood Claims	6 (2011–2019)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Oct 2019 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2011 · 5 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

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 17 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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