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

Warren County and Lake Luzerne Town property record for 545 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,714 sqft · built 2023
Lot Size	5.74 acres (250,034 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jul 2021)
Tax Bill	$11,358 (2026)
Deeds & Mortgages	Oct 2023 Refinance Jul 2021 Sale
APN	`523200 313.-1-3.5`

Property Details

APN / Parcel Number

Primary APN	`523200 313.-1-3.5`
Alternative APN	`320031300000010030050000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,714 sqft Living Area
1st Floor Area	2,714 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	250,034 sqft (5.74 acres)
Lot Dimensions	200 ft deep x 200 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	545 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.-1-3.5
Legal Block	1
Legal Lot Number	3.005
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	4
Census Block	4011
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	545 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICU CU
Jul 14, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2021 · Amount on Record
Deed Sale	Jul 14, 2021 · Amount on Record
Deed Document Number	20216077
Deed Book / Page	6408 / 31
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	545 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068550069
Date	Oct 27, 2023
Book Page	6855/69
Instrument	2023-5752

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2054

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Jul 14, 2021
Property Address	545 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Document Number	0064080031
Book / Page	6408 / 31
Instrument Date	Jun 23, 2021
Instrument	2021-6077
Transaction Type	Transfer
Record Updated	Mar 21, 2024

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	4181 STONEY BROOK RD, ONEIDA, NY 13421-3707
Investor	Possibly a Property Investor

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	$11,358.00 (+314.83%)
2025	$2,738.00	$513,000 (+489.66%) Land $87,000 Building $426,000	$869,500 (+639.37%) Land $147,459 Building $722,041
2023		$87,000 Land $87,000	$117,600 Land $117,600

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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