685 River Rd, Warrensburg, NY 12885 Property Records

Warren County and Thurman Town property record for 685 River Rd, Warrensburg, NY 12885

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 1999
Lot Size	17.5 acres (765,785 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (May 2017)
Tax Bill	$7,633 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2020 Loan Modification + 1 more
APN	`523800 197.-3-3`

Property Details

APN / Parcel Number

Primary APN	`523800 197.-3-3`
Alternative APN	`380019700000030030000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,604 sqft Living Area
1st Floor Area	1,200 sqft
Upper Floors Area	404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2001
Architectural Style	Rustic
Exterior Material	Wood
Lot Area	765,785 sqft (17.5 acres)
Lot Width	460 ft Width
View / Lot	Waterfront
Garage Type	Detached
Garage Area	1,056 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	698 sqft
Canopy	612 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	685 RIVER RD
City	WARRENSBURG
State	NY
Zip	12885-4512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	APA 8.5
Legal Description	RES. R3 35.-1-1.42
Legal Block	3
Legal Lot Number	3.000
Jurisdiction	WARREN NY
Township / Civil Division	THURMAN
Census Block Group	1
Census Block	1025
Census Tract	73500

Owner

Source: Warren County and Thurman 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	Individual Name on Record
Mailing Address	6537 STATE ROUTE 8, BRANT LAKE, NY 12815-1922
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHEMUNG CANAL TR
Dec 21, 2020	Loan Modification, Mortgage · Conventional Mortgage CHEMUNG CANAL TR
May 12, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2017 · Amount on Record
Deed Sale	May 12, 2017 · Amount on Record
Prior Sale	Dec 1, 2016
Deed Book / Page	5556 / 154
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	685 RIVER RD, WARRENSBURG, NY 12885-4512
Document Number	0000000280
Instrument Date	Dec 21, 2020
Transaction Type	Mortgage
Record Updated	Feb 1, 2021
Title Company	MAPLE ABSTRACT REALTY CORPORATION, MAPLE ABS REALTY CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6537 STATE ROUTE 8 BRANT LAKE NY 128151922, BRANT LAKE, NY 12815-1922

Mortgage

Document Number	0000000280
Date	Jan 11, 2021
Book Page	006268/000246
Instrument	280

Lender

Name	CHEMUNG CANAL TR
Address	ELMIRA, NY 14902

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 10, 2031

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WARREN NY
Property Address	685 RIVER RD, WARRENSBURG, NY 12885-4512
Document Number	0000000281
Instrument Date	Dec 21, 2020
Transaction Type	Mortgage
Record Updated	Feb 1, 2021
Title Company	MAPLE ABSTRACT REALTY CORPORATION, MAPLE ABS REALTY CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 136 BRANT LAKE NY 128150136, BRANT LAKE, NY 12815-0136

Mortgage

Document Number	0000000281
Date	Jan 11, 2021
Book Page	006268/000262
Instrument	281

Lender

Name	CHEMUNG CANAL TR
Address	ELMIRA, NY 14902

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 10, 2031

Interest

Rate	3.37%

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NY
Recording Date	May 12, 2017
Property Address	685 RIVER RD, WARRENSBURG, NY 12885-4512
Document Number	0000003172
Book / Page	005556 / 000154
Instrument Date	Mar 27, 2017
Instrument	3172
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6537 STATE ROUTE 8 BRANT LAKE NY 128151922, BRANT LAKE, NY 12815-1922

Tax Assessment & Valuation

Source: Warren County and Thurman Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Warren County
County Subdivision	Thurman Town
Unified School District	Warrensburg Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,633.00 (+6.25%)
2025	$7,184.00	$274,200 (-) Land $70,100 Building $204,100	$437,111 (+17.11%) Land $111,749 Building $325,362
2023		$274,200 Land $70,100 Building $204,100	$373,264 Land $95,426 Building $277,838

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 Policies	1 in force
Nearby Flood Claims	7 (1981–2013)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Feb 2013 · 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SLICFiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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