552 Ruddy Rd, Chase Mills, NY 13621 Property Records

St. Lawrence County and Madrid Town property record for 552 Ruddy Rd, Chase Mills, NY 13621

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 804 sqft · built 1968
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Feb 2018)
Tax Bill	$2,527 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Feb 2018 Sale & Mortgage
APN	`405600 31.056-6-2`

Property Details

APN / Parcel Number

Primary APN	`405600 31.056-6-2`
Alternative APN	`560003105600060020000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	804 sqft Living Area
1st Floor Area	804 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Cottage
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	47,916 sqft (1.1 acres)
Lot Dimensions	240 ft deep x 200 ft wide
View / Lot	Waterfront / Beach
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	408 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	405600 31.056-6-2
Street Address	552 RUDDY RD
City	CHASE MILLS
State	NY
Zip	13621-3115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	LC TO ROGER NOREAU 200'WFX260'X200'X235'
Legal Block	6
Legal Lot Number	2.000
Jurisdiction	ST LAWRENCE NY
Township / Civil Division	MADRID
Census Block Group	2
Census Block	2009
Census Tract	490500

Owner

Source: St. Lawrence County and Madrid 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	2 Individual Names on Record
Mailing Address	552 RUDDY RD, CHASE MILLS, NY 13621-3115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK NA
Feb 12, 2018	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2018 · Amount on Record
Deed Sale	Feb 12, 2018 · Amount on Record
Prior Sale	Apr 8, 2010 · Amount on Record
Deed Document Number	20181629
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LAWRENCE NY
Property Address	552 RUDDY RD, CHASE MILLS, NY 13621-3115
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 RUDDY RD, CHASE MILLS, NY 13621-3115

Mortgage

Document Number	0000011289
Date	Sep 29, 2025
Instrument	R-2025-00011289

Lender

Name	COMMUNITY BANK NA
Type	Bank
Address	OLEAN, NY 14760

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LAWRENCE NY
Recording Date	Feb 12, 2018
Property Address	552 RUDDY RD, CHASE MILLS, NY 13621-3115
Document Number	0000001629
Instrument Date	Jan 3, 2018
Instrument	R-2018-00001629
Transaction Type	Transfer
Record Updated	Jul 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3253 GALBERRY RD, 3253, CHESAPEAKE, VA 23323-1302

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	552 RUDDY RD, CHASE MILLS, NY 13621-3115

Mortgage

Document Number	0000001630
Date	Feb 12, 2018
Instrument	R-2018-00001630

Lender

Name	COMMUNITY BANK NA
Type	Bank
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,527.00 (+2.68%)
2025	$2,461.00	$62,500 (-) Land $20,400 Building $42,100	$90,580 (+9.42%) Land $29,565 Building $61,015
2023		$62,500 Land $20,400 Building $42,100	$82,781 Land $27,020 Building $55,761

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 Claims	5 (1983–1989)
Most Recent Claim	Mar 1989 · 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 94% of the US · lower than 91% of New York
Wildfire Likelihood	Under 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SLICFiber Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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