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

Warren County and Lake Luzerne Town property record for 693 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Seasonal / Vacation Home
Details	1 bd · 1 ba · 1,124 sqft · built 1950
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Oct 2017)
Tax Bill	$5,247 (2026)
Deeds & Mortgages	Aug 2022 Refinance Aug 2021 Refinance + 1 more
APN	`523200 305.20-1-27`

Property Details

APN / Parcel Number

Primary APN	`523200 305.20-1-27`
Alternative APN	`320030502000010270000000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,124 sqft Living Area
1st Floor Area	764 sqft
2nd Floor Area	360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Concrete
Foundation Type	Raised
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	302 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	275 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	693 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	RT
Legal Description	RES 42.-1-9
Legal Block	1
Legal Lot Number	27.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	3
Census Block	3015
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 Individual Names on Record
Mailing Address	497 COLUMBIA STREET EXT, COHOES, NY 12047-3805
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON RIVER COMMUNITY FCU
Aug 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 6, 2017	Grant Deed, Transfer · Conventional Mortgage GLENS FALLS NAT'L BK & TR CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2017 · Amount on Record
Deed Sale	Oct 6, 2017 · Amount on Record
Deed Book / Page	5640 / 257
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	693 E RIVER DR, LAKE LUZERNE, NY 12846
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066800016
Date	Aug 24, 2022
Book Page	6680/16
Instrument	2022-6489

Lender

Name	HUDSON RIVER COMMUNITY FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	693 E RIVER DR, LAKE LUZERNE, NY 12846
Transaction Type	Mortgage
Record Updated	Sep 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064390138
Date	Aug 27, 2021
Book Page	6439/138
Instrument	2021-7392

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NY
Recording Date	Oct 6, 2017
Property Address	693 E RIVER DR, LAKE LUZERNE, NY 12846
Document Number	0000007072
Book / Page	005640 / 000257
Instrument Date	Oct 2, 2017
Instrument	7072
Transaction Type	Transfer
Record Updated	Nov 7, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	497 COLUMBIA STREET EXT COHOES NY 120473805, COHOES, NY 12047-3805

Mortgage

Document Number	7073
Date	Oct 6, 2017
Book Page	005640/000260
Instrument	7073

Lender

Name	GLENS FALLS NAT'L BK & TR CO
Type	Credit Union
Address	GLENS FALLS, NY 12801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2047

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	$5,247.00 (+5.11%)
2025	$4,992.00	$237,000 (-) Land $130,000 Building $107,000	$401,700 (+25.41%) Land $220,342 Building $181,358
2023		$237,000 Land $130,000 Building $107,000	$320,300 Land $175,692 Building $144,608

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	3 in force
Nearby Flood Claims	6 (2011–2019)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Oct 2019 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2011 · 5 claims

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 49 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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