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548 Lake Rd, Chateaugay, NY 12920 Property Records

Franklin County and Bellmont Town property record for 548 Lake Rd, Chateaugay, NY 12920 · Last verified May 2026

Property Summary

Property TypeSeasonal / Vacation Home
Details2 bd · 1 ba · 804 sqft · built 1987
Lot Size1.31 acres (57,064 sqft)
Owner2 Individual Names on File
Last Sale$18,500 (Oct 2018)
Tax Bill$4,153 (2025)
Deeds & MortgagesDec 2023 Refinance
Oct 2018 Sale
APN1-082-29.00

Property Details

APN / Parcel Number

Primary APN1-082-29.00
Alternative APNs
  • 240013200000010050000000
  • 162400 132.-1-5

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area804 sqft Living Area
1st Floor Area724 sqft
Upper Floors Area80 sqft
AtticAttic
Attic Area80 sqft

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleCottage
Exterior MaterialWood
Foundation TypeNo Foundation
Lot Area57,064 sqft (1.31 acres)
Lot Width100 ft Width
View / LotWaterfront / Beach

Exterior Amenities

PorchSlab
Porch Area240 sqft
Shed1 Shed
Shed Area56 sqft

Utilities, Heating & Cooling

Heating FuelElectric
SewerSeptic
Water SourceWell

Location & Zoning

Account Number1-082-29.00
Street Address548 LAKE RD
CityCHATEAUGAY
StateNY
Zip12920
Property CategoryResidential
Property TypeResidential > Specialized > Seasonal / Vacation Home
Legal DescriptionSMITH LAKE WASKINSKI W P A ROAD
Legal Block1
Legal Lot Number5.000
JurisdictionFRANKLIN NY
Township / Civil DivisionBELLMONT
Census Block Group1
Census Block1026
Census Tract950601

Owner

Source: Franklin County and Bellmont Town records · APN 1-082-29.00

Assessment roll updated April 28, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address75 PLEASANT ST, B10A6, MALONE, NY 12953-1729
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 19, 2023Deed of Trust, Mortgage · Stand-Alone Refinance
NBT BANK NATIONAL ASSOCIATION
Oct 31, 2018Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 31, 2018 · Amount on Record
Deed SaleOct 31, 2018 · Amount on Record
Prior SaleJun 22, 1999 · Amount on Record
Deed Document Number20185059
Record UpdatedJun 08, 2026

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN NY
Property Address548 LAKE RD, CHATEAUGAY, NY 12920
Transaction TypeMortgage
Record UpdatedJan 09, 2024
Title CompanyMISC COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000006050
DateDec 19, 2023
Instrument2023-6050
Lender
NameNBT BANK NATIONAL ASSOCIATION
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded

October 2018: Deed, Transfer

Document TypeDeed
JurisdictionFRANKLIN NY
Recording DateOct 31, 2018
Property Address548 LAKE RD, CHATEAUGAY, NY 12920
Document Number0000005059
Instrument DateOct 06, 2018
Instrument2018-5059
Transaction TypeTransfer
Record UpdatedApr 12, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 STATE ST, MALONE, NY 12953-2412

Tax Assessment & Valuation

Source: Franklin County and Bellmont Town records · Assessment roll updated April 28, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateNew York
CountyFranklin County
County SubdivisionBellmont Town
Unified School DistrictChateaugay Central School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,153.00 (+130.08%)$176,600 (-) Land $120,300 Building $56,300$261,630 (+18.52%) Land $178,222 Building $83,408
2023$176,600 (-) Land $120,300 Building $56,300$220,750 (+10.63%) Land $150,375 Building $70,375
2022$176,600 Land $120,300 Building $56,300$199,548 Land $135,932 Building $63,616
2021$1,805.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360339506011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneNot on file
Nearby Flood Policies3 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 25 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Atlas ConnectivityFiber1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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