Clinton County and Chazy Town property record for 649 Ratta Rd, Chazy, NY 12921
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,084 sqft · built 1990 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,636 (2026) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 093000 109.-1-59.32 |
| Primary APN | 093000 109.-1-59.32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,084 sqft Living Area |
| 1st Floor Area | 1,112 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 52,272 sqft (1.2 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 656 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 649 RATTA RD |
|---|---|
| City | CHAZY |
| State | NY |
| Zip | 12921-1830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | LOT 24 DEANS |
| Legal Block | 1 |
| Legal Lot Number | 59.032 |
| Jurisdiction | CLINTON NY |
| Township / Civil Division | CHAZY |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 100200 |
649 Ratta Rd is owned and occupied by an individual who acquired it in November 2020.
Source: Clinton County and Chazy Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 649 RATTA RD, CHAZY, NY 12921-1830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 2, 2020 |
| Transfer Doc | 0000337407 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Recording Date | May 11, 2026 |
| Property Address | 649 RATTA RD, CHAZY, NY 12921-1830 |
| Document Number | 0000350319 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026350319 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 649 RATTA RD, CHAZY, NY 12921-1830 |
| Document Number | 0000350319, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 2026350319 |
| Name | DANNEMORA FCU |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 145 Months |
| Due | Jun 1, 2038 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 649 Ratta Rd was $5,636, up 297.7% from the year before.
Source: Clinton County and Chazy Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Clinton County |
| County Subdivision | Chazy Town |
| Unified School District | Chazy Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,636.00 (+297.74%) | ||
| 2025 | $1,417.00 | $275,600 Land $41,600 Building $234,000 | $275,600 Land $41,600 Building $234,000 |
| 2023 | $284,500 Land $37,600 Building $246,900 | $284,500 Land $37,600 Building $246,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 649 Ratta Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective June 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 5 (1993–2011) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Apr 2011 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds |
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 risk around 649 Ratta Rd is low, with a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Chazy Westport Communications Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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