545 Willard Rd, Massena, NY 13662 Property Records

St. Lawrence County and Louisville Town property record for 545 Willard Rd, Massena, NY 13662

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,300 sqft · built 1890
Lot Size	1.72 acres (75,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Jul 2023)
Tax Bill	$7,184 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Sale & Mortgage
APN	`405289 8.073-1-5.1`

Property Details

APN / Parcel Number

Primary APN	`405289 8.073-1-5.1`
Alternative APN	`528900807300010050010000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,300 sqft Living Area
1st Floor Area	1,550 sqft
2nd Floor Area	750 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	75,000 sqft (1.72 acres)
Lot Dimensions	375 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	135 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	405289 8.073-1-5.1
Street Address	545 WILLARD RD
City	MASSENA
State	NY
Zip	13662-3480
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	5.001
Jurisdiction	ST LAWRENCE NY
Township / Civil Division	LOUISVILLE
Census Block Group	1
Census Block	1011
Census Tract	490400

Owner

Source: St. Lawrence County and Louisville 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	15 SHERWOOD DR, MASSENA, NY 13662-1755
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage MASSENA SLA
Jul 5, 2023	Warranty Deed, Transfer · Conventional Mortgage MASSENA SLA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Prior Sale	Apr 4, 2007 · Amount on Record
Deed Document Number	20238063
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LAWRENCE NY
Property Address	545 WILLARD RD, MASSENA, NY 13662-3480
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SHERWOOD DR, MASSENA, NY 13662-1755

Mortgage

Document Number	0000008064
Date	Jul 5, 2023
Instrument	R-2023-00008064

Lender

Name	MASSENA SLA
Type	Bank
Address	MASSENA, NY 13662

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	9.5%
Index	Prime Rate
Max Rate	12.5%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LAWRENCE NY
Recording Date	Jul 5, 2023
Property Address	545 WILLARD RD, MASSENA, NY 13662-3480
Document Number	0000008063
Instrument Date	May 3, 2023
Instrument	R-2023-00008063
Transaction Type	Transfer
Record Updated	Feb 17, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,040.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 WILLARD RD, MASSENA, NY 13662-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15 SHERWOOD DR, MASSENA, NY 13662-1755

Mortgage

Document Number	0000008064
Date	Jul 5, 2023
Instrument	R-2023-00008064

Lender

Name	MASSENA SLA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	9.5%
Index	Prime Rate
Max Rate	12.5%

Tax Assessment & Valuation

Source: St. Lawrence County and Louisville Town assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	New York
County	St. Lawrence County
County Subdivision	Louisville Town
Unified School District	Massena Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,184.00 (+14.29%)
2025	$6,286.00 (+4.68%)	$310,000 (+99.61%) Land $49,100 Building $260,900	$310,000 (+19.77%) Land $49,100 Building $260,900
2024	$6,005.00	$155,300 (-) Land $12,800 Building $142,500	$258,833 (+8.33%) Land $21,333 Building $237,500
2023		$155,300 (-) Land $12,800 Building $142,500	$238,923 (+9.23%) Land $19,692 Building $219,231
2022		$155,300 Land $12,800 Building $142,500	$218,732 Land $18,028 Building $200,704

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	1 in force

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 19 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 and 4G LTE (outdoors only)

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