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604 Lake Rd, Chateaugay, NY 12920 Property Records

Franklin County and Bellmont Town property record for 604 Lake Rd, Chateaugay, NY 12920 · Last verified June 2026

Property Summary

Property TypeSeasonal / Vacation Home
Details5 bd · 2 ba · 2,360 sqft · built 1989
Lot Size0.53 acres (23,087 sqft)
OwnerIndividual Name on File
Last Sale$190,000 (Sep 2008)
Tax Bill$6,496 (2025)
Deeds & MortgagesJun 2020 Mortgage
Apr 2017 Mortgage
APN1-089-03.00

Property Details

APN / Parcel Number

Primary APN1-089-03.00
Alternative APNs
  • 240013200100010070000000
  • 162400 132.1-1-7

Interior

Bedrooms5 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,360 sqft Living Area
1st Floor Area1,496 sqft
2nd Floor Area864 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2016
Architectural StyleContemporary
Exterior MaterialWood
Lot Area23,087 sqft (0.53 acres)
Lot Width100 ft Width
View / LotWaterfront / Beach
Garage TypeMixed
Garage Area1,200 sqft
Parking Spaces5 Parking Spaces
PorchPatio
Porch Area580 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
SewerSeptic
Water SourceWell

Location & Zoning

Account Number1-089-03.00
Street Address604 LAKE RD
CityCHATEAUGAY
StateNY
Zip12920-4612
Property CategoryResidential
Property TypeResidential > Specialized > Seasonal / Vacation Home
Legal DescriptionGLENN LAKE BARRETT HIGHWAY
Legal Block1
Legal Lot Number7.000
JurisdictionFRANKLIN NY
Township / Civil DivisionBELLMONT
Census Block Group1
Census Block1026
Census Tract950601

Owner

Source: Franklin County and Bellmont Town records · APN 1-089-03.00

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

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

Owner of RecordIndividual Name on File
Mailing Address604 LAKE RD, CHATEAUGAY, NY 12920-4612
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Jun 12, 2020Deed of Trust, Mortgage · Conventional with PMI
ADIRONDACK BK
Apr 14, 2017Deed of Trust, Mortgage · Conventional Mortgage
COMMUNITY BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 03, 2008 · Amount on Record
Deed SaleSep 03, 2008 · Amount on Record
Prior SaleApr 20, 2004 · Amount on Record
Deed Book / Page984 / 92
Record UpdatedSep 20, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN NY
Property Address604 LAKE RD, CHATEAUGAY, NY 12920-4612
Document Number0000002373
Instrument DateJun 12, 2020
Transaction TypeMortgage
Record UpdatedJul 27, 2020
Title CompanyCENTENNIAL ABSTRACT, CENTENNIAL ABS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address604 LAKE RD CHATEAUGAY NY 129204612, CHATEAUGAY, NY 12920-4612

Mortgage

Document Number0000002373
DateJun 17, 2020
Instrument2373
Lender
NameADIRONDACK BK
TypeBank
AddressUTICA, NY 13501
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term180 Months
DueJun 16, 2035

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN NY
Property Address604 LAKE RD, CHATEAUGAY, NY 12920-4612
Document Number0000001834
Instrument DateApr 14, 2017
Transaction TypeMortgage
Record UpdatedAug 20, 2018
Title CompanyCENTENNIAL ABSTRACT, CENTENNIAL ABS

Transferred To (Grantee/Buyer)

NameVerified Name
Address604 LAKE RD CHATEAUGAY NY 129204612, CHATEAUGAY, NY 12920-4612

Mortgage

Document Number0000001834
DateApr 21, 2017
Instrument1834
Lender
NameCOMMUNITY BK
TypeBank
AddressOLEAN, NY 14760
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueApr 20, 2037

Tax Assessment & Valuation

Source: Franklin County and Bellmont Town records · Assessment roll updated April 28, 2026 · Last verified June 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$6,496.00$320,400 (-) Land $113,600 Building $206,800$474,667 (+18.52%) Land $168,296 Building $306,371
2023$320,400 Land $113,600 Building $206,800$400,500 Land $142,000 Building $258,500

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
ExposureDirect
burnable vegetation at the parcel

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 17 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

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

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