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

Warren County and Lake Luzerne Town property record for 565 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,797 sqft · built 2018
Lot Size	5.95 acres (259,182 sqft)
Owner	2 Company Names on Record
Last Sale	$122,000 (Oct 2013)
Tax Bill	$8,856 (2026)
Deeds & Mortgages	Jan 2026 Sale Mar 2021 Refinance + 1 more
APN	`523200 313.-1-3.7`

Property Details

APN / Parcel Number

Primary APN	`523200 313.-1-3.7`
Alternative APN	`320031300000010030070000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,797 sqft Living Area
1st Floor Area	2,497 sqft
Upper Floors Area	300 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	259,182 sqft (5.95 acres)
Lot Dimensions	200 ft deep x 200 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,094 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	635 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	565 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.-1-3.7
Legal Block	1
Legal Lot Number	3.007
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 Company Names on Record
Mailing Address	63 JOHNSON RD, MECHANICVILLE, NY 12118-3507
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Warranty Deed, Transfer
Mar 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTCO BANK
Feb 16, 2018	Trustee's Deed, Construction Loan · Construction Mortgage TRUSTCO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2013 · Amount on Record
Deed Sale	Oct 23, 2013 · Amount on Record
Prior Sale	Aug 31, 2011 · Amount on Record
Deed Book / Page	4876 / 275
Last Transfer Date	Dec 4, 2024
Transfer Doc	0071850249
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Jan 20, 2026
Property Address	565 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Document Number	0071850249
Book / Page	7185 / 249
Instrument Date	Dec 4, 2024
Instrument	2026-0526
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	63 JOHNSON RD, MECHANICVILLE, NY 12118-3507

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	565 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063240072
Date	Mar 22, 2021
Book Page	6324/72
Instrument	2021-2579

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WARREN NY
Recording Date	Feb 16, 2018
Property Address	565 E RIVER DR, LAKE LUZERNE, NY 12846-1915
Book / Page	005712 / 000118
Instrument Date	Feb 12, 2018
Instrument	1078
Transaction Type	Construction Loan
Record Updated	Mar 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6 SPARTAN DR VALATIE NY 121849205, VALATIE, NY 12184-9205

Mortgage

Document Number	0000001078
Date	Feb 16, 2018
Book Page	005712/000118
Instrument	1078

Lender

Name	TRUSTCO BK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2048

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	$8,856.00 (+5.1%)
2025	$8,426.00 (+3.4%)	$400,000 (-) Land $112,000 Building $288,000	$678,000 (+10.17%) Land $189,840 Building $488,160
2024	$8,149.00	$400,000 (-) Land $112,000 Building $288,000	$615,400 (+13.86%) Land $172,312 Building $443,088
2023		$400,000 Land $112,000 Building $288,000	$540,500 Land $151,340 Building $389,160

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
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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