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

Warren County and Lake Luzerne Town property record for 54 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 920 sqft · built 1950
Lot Size	1.43 acres (62,291 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Sep 2026)
Tax Bill	$2,649 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2022 Refinance + 1 more
APN	`523200 317.16-2-21`

Property Details

APN / Parcel Number

Primary APN	`523200 317.16-2-21`
Alternative APN	`320031701600020210000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	920 sqft Living Area
1st Floor Area	720 sqft
Upper Floors Area	360 sqft
Attic	Attic
Attic Area	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	62,291 sqft (1.43 acres)
Lot Dimensions	250 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	276 sqft
Shed	1 Shed
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	54 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-1706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR
Legal Description	RES 52.-3-18
Legal Block	2
Legal Lot Number	21.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	4
Census Block	4010
Census Tract	71000

Owner

Source: Warren County and Lake Luzerne Town records, as of September 30, 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	33 BARBARA MAC D DR, CORINTH, NY 12822-1440
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORPORATION
May 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES FCU
Dec 29, 2020	Deed of Trust, Mortgage HOMESTEAD FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2026 · Amount on Record
Deed Sale	Sep 9, 2026 · Amount on Record
Prior Sale	Jan 21, 2021 · Amount on Record
Deed Document Number	20265494
Deed Book / Page	7293 / 19
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Sep 9, 2026
Property Address	54 E RIVER DR, LAKE LUZERNE, NY 12846-1706
Document Number	0000005494
Book / Page	7293 / 19
Instrument Date	Aug 27, 2026
Instrument	20265494
Transaction Type	Transfer
Record Updated	Sep 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	33 BARBARA MAC D DR, CORINTH, NY 12822-1440

Mortgage

Date	Sep 9, 2026

Lender

Name	HOMESTEAD FUNDING CORPORATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	54 E RIVER DR, LAKE LUZERNE, NY 12846-1706
Transaction Type	Mortgage
Record Updated	Jun 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066280218
Date	May 23, 2022
Book Page	6628/218
Instrument	2022-4125

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	54 E RIVER DR, LAKE LUZERNE, NY 12846-1706
Document Number	0000000577
Instrument Date	Dec 29, 2020
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 PERTH RD GALWAY NY 120742419, GALWAY, NY 12074-2419

Mortgage

Document Number	0000000577
Date	Jan 21, 2021
Book Page	006275/000098
Instrument	577

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2051

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	$2,649.00 (+11.49%)
2025	$2,376.00	$108,000 (-) Land $36,000 Building $72,000	$183,100 (+25.5%) Land $61,033 Building $122,067
2023		$108,000 Land $36,000 Building $72,000	$145,900 Land $48,633 Building $97,267

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	3 (2011–2023)
Most Recent Claim	Dec 2023 · river or lake flooding

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

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

May also be available: Verizon.

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