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

Warren County and Lake Luzerne Town property record for 517 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,440 sqft · built 2016
Lot Size	3.96 acres (172,498 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Sep 2015)
Tax Bill	$7,085 (2026)
Deeds & Mortgages	May 2021 Transfer Aug 2020 Mortgage + 3 more
APN	`523200 313.-1-3.1`

Property Details

APN / Parcel Number

Primary APN	`523200 313.-1-3.1`
Alternative APN	`320031300000010030010000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	172,498 sqft (3.96 acres)
Lot Dimensions	200 ft deep x 200 ft wide
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	1,216 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	1,330 sqft
Canopy	384 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	517 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-1915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	VAC 43.-1-3.1
Legal Block	1
Legal Lot Number	3.001
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	517 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 18, 2020	Deed of Trust, Mortgage · Conventional with PMI RELIANCE FIRST CAP
Sep 18, 2020	Quit Claim Deed, Transfer RELIANCE FIRST CAP
Dec 23, 2019	Deed of Trust, Mortgage · Conventional with PMI NATIONWIDE MTG BANKERS INC
Sep 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2015 · Amount on Record
Deed Sale	Sep 29, 2015 · Amount on Record
Deed Book / Page	5237 / 97
Last Transfer Date	Apr 28, 2021
Transfer Doc	0000004552
Record Updated	Oct 29, 2026

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARREN NY
Recording Date	May 21, 2021
Property Address	517 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Document Number	0063710272
Book / Page	6371 / 272
Instrument Date	Apr 28, 2021
Instrument	2021-4552
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	517 E RIVER DR, LAKE LUZERNE, NY 12846-1915

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	517 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Document Number	0000005927
Instrument Date	Aug 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	517 E RIVER DR LAKE LUZERNE NY 128461915, LAKE LUZERNE, NY 12846-1915

Mortgage

Document Number	0000005927
Date	Sep 18, 2020
Book Page	006186/000177
Instrument	5927

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARREN NY
Recording Date	Sep 18, 2020
Property Address	517 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Document Number	0000005926
Book / Page	006186 / 000174
Instrument Date	Aug 18, 2020
Instrument	5926
Transaction Type	Transfer
Record Updated	Oct 12, 2020
Title Company	TIMIOS INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	517 E RIVER DR LAKE LUZERNE NY 128461915, LAKE LUZERNE, NY 12846-1915

Mortgage

Document Number	5927
Date	Sep 18, 2020
Book Page	006186/000177
Instrument	5927

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	517 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Document Number	0000001474
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 E RIVER DR LAKE LUZERNE NY 128461915, LAKE LUZERNE, NY 12846-1915

Mortgage

Document Number	0000001474
Date	Mar 5, 2020
Book Page	006080/000239
Instrument	1474

Lender

Name	NATIONWIDE MTG BANKERS INC
Address	MELVILLE, NY 11747

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Mar 4, 2040

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	517 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Document Number	0000006336
Instrument Date	Sep 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 E RIVER DR LAKE LUZERNE NY 128461915, LAKE LUZERNE, NY 12846-1915

Mortgage

Document Number	0000006336
Date	Oct 1, 2018
Book Page	005824/000301
Instrument	6336

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 30, 2033

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	$7,085.00 (+5.12%)
2025	$6,740.00	$320,000 (-) Land $85,000 Building $235,000	$542,400 (+10.18%) Land $144,075 Building $398,325
2024		$320,000 (-) Land $85,000 Building $235,000	$492,300 (+13.85%) Land $130,767 Building $361,533
2023		$320,000 Land $85,000 Building $235,000	$432,400 Land $114,856 Building $317,544

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

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

Cell Coverage

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

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