54 Spring St, Adams, NY 13605 Property Records

Jefferson County and Adams Town property record for 54 Spring St, Adams, NY 13605

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,627 sqft · built 1900
Lot Size	0.36 acres (15,680 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Oct 2024)
Tax Bill	$3,105 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2024 Sale & Mortgage + 2 more
APN	`222001 113.37-1-10`

Property Details

APN / Parcel Number

Primary APN	`222001 113.37-1-10`
Alternative APN	`20011130370001010000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,627 sqft Living Area
1st Floor Area	930 sqft
Upper Floors Area	697 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	15,680 sqft (0.36 acres)
Lot Dimensions	196 ft deep x 80 ft wide
Garage Type	Detached
Porch	Slab
Porch Area	349 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	222001 113.37-1-10
Street Address	54 SPRING ST
City	ADAMS
State	NY
Zip	13605-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R9
Legal Description	BACON E LF-US
Legal Block	1
Legal Lot Number	10.000
Jurisdiction	JEFFERSON NY
Township / Civil Division	ADAMS
Census Block Group	2
Census Block	2001
Census Tract	61801

Owner

Source: Jefferson County and Adams 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	Individual Name on Record
Mailing Address	8366 US ROUTE 11, ADAMS, NY 13605-2272
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Oct 2, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH BY NORTHEAST LENDING LLC
Aug 17, 2021	Deed, Transfer
Jul 28, 2021	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2024 · Amount on Record
Deed Sale	Oct 2, 2024 · Amount on Record
Prior Sale	Aug 17, 2021 · Amount on Record
Deed Document Number	202414733
Prior Transfer Date	Jul 27, 2021
Prior Transfer Doc	0000012142
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON NY
Recording Date	Sep 2, 2026
Property Address	54 SPRING ST, ADAMS, NY 13605-1225
Document Number	0000012349
Instrument Date	Aug 28, 2026
Instrument	202612349
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 SPRING ST, ADAMS, NY 13605-1225

Mortgage

Document Number	0000012349,
Date	Sep 2, 2026
Instrument	202612349

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 4, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Oct 2, 2024
Property Address	54 SPRING ST, ADAMS, NY 13605-1225
Document Number	0000014733
Instrument Date	Sep 30, 2024
Instrument	2024-00014733
Transaction Type	Transfer
Record Updated	Mar 13, 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
Address	8366 US ROUTE 11, ADAMS, NY 13605-2272

Mortgage

Document Number	0000014734
Date	Oct 2, 2024
Instrument	2024-00014734

Lender

Name	NORTH BY NORTHEAST LENDING LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Type Change Date	Oct 1, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON NY
Recording Date	Aug 17, 2021
Property Address	54 SPRING ST, ADAMS, NY 13605-1225
Document Number	0000013389
Instrument Date	Aug 16, 2021
Instrument	20210-00013389
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount Recorded
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
Address	18014 WOOD PARK RD, ADAMS CENTER, NY 13606-2132

July 2021: Foreclosure

Document Type	Foreclosure
Jurisdiction	JEFFERSON NY
Recording Date	Jul 28, 2021
Property Address	54 SPRING ST, ADAMS, NY 13605-1225
Document Number	0000012107
Instrument Date	Jul 27, 2021
Instrument	20210-00012107
Transaction Type	Foreclosure
Record Updated	Sep 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 ARSENAL ST, WATERTOWN, NY 13601-2591

Tax Assessment & Valuation

Source: Jefferson County and Adams Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
Municipality	Adams Village
County	Jefferson County
County Subdivision	Adams Town
Unified School District	South Jefferson Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,105.00 (+1.94%)
2025	$3,046.00 (-27.06%)	$111,000 (-) Land $22,400 Building $88,600	$138,750 (+6.25%) Land $28,000 Building $110,750
2024	$4,176.00	$111,000 (-) Land $22,400 Building $88,600	$130,588 (-) Land $26,353 Building $104,235
2023		$111,000 (-) Land $22,400 Building $88,600	$130,588 (+11.76%) Land $26,353 Building $104,235
2022		$111,000 Land $22,400 Building $88,600	$116,842 Land $23,579 Building $93,263

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ADAMS VILLAGE serves 2,000 people · EPA ID NY2202328
Water Source	Groundwater
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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