72 Circular St, Lake Luzerne, NY 12846 Property Records

Warren County and Lake Luzerne Town property record for 72 Circular St, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,108 sqft · built 1965
Lot Size	2.71 acres (118,048 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Jan 2019)
Tax Bill	$4,992 (2026)
Deeds & Mortgages	Mar 2021 Sale Nov 2020 Mortgage + 1 more
APN	`523200 298.19-1-83`

Property Details

APN / Parcel Number

Primary APN	`523200 298.19-1-83`
Alternative APN	`320029801900010830000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,108 sqft Living Area
1st Floor Area	2,108 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	118,048 sqft (2.71 acres)
Lot Dimensions	200 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	280 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	72 CIRCULAR ST
City	LAKE LUZERNE
State	NY
Zip	12846-2501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR/MULTI
Legal Description	RES. 33.-2-1
Legal Block	1
Legal Lot Number	83.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	2
Census Block	2058
Census Tract	71000

Owner

72 Circular St is owned and occupied by an individual who acquired it in February 2021.

Source: Warren County and Lake Luzerne Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	72 CIRCULAR ST, LAKE LUZERNE, NY 12846-2501
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Warranty Deed, Transfer
Nov 9, 2020	Deed of Trust, Mortgage BALLSTON SPA NAT'L BK
Jan 15, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2019 · Amount on File
Deed Sale	Jan 15, 2019 · Amount on File
Prior Sale	Aug 28, 1997
Deed Document Number	2019287
Deed Book / Page	5875 / 72
Last Transfer Date	Feb 8, 2021
Transfer Doc	0063200108
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Mar 17, 2021
Property Address	72 CIRCULAR ST, LAKE LUZERNE, NY 12846-2501
Document Number	0063200108
Book / Page	6320 / 108
Instrument Date	Feb 8, 2021
Instrument	2021-2416
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 CIRCULAR ST, LAKE LUZERNE, NY 12846-2501

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	72 CIRCULAR ST, LAKE LUZERNE, NY 12846-2501
Document Number	0000008702
Instrument Date	Nov 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 6, 2021
Title Company	SMPR TITLE AGENCY INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 CIRCULAR ST LAKE LUZERNE NY 128462501, LAKE LUZERNE, NY 12846-2501

Mortgage

Document Number	0000008702
Date	Dec 17, 2020
Book Page	006249/000257
Instrument	8702

Lender

Name	BALLSTON SPA NAT'L BK
Type	Bank
Address	BALLSTON SPA, NY 12020

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2050

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NY
Recording Date	Jan 15, 2019
Property Address	72 CIRCULAR ST, LAKE LUZERNE, NY 12846-2501
Document Number	0000000287
Book / Page	005875 / 000072
Instrument Date	Jan 4, 2019
Instrument	287
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	SNEERINGER MONAHAN PROVOST RED

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	72 CIRCULAR ST LAKE LUZERNE NY 128462501, LAKE LUZERNE, NY 12846-2501

Mortgage

Document Number	288
Date	Jan 15, 2019
Book Page	005875/000078
Instrument	288

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, NY 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 72 Circular St was $4,992 with exemptions applied, up 5.1% from the year before.

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	$4,992.00 (+5.07%) Disabled Person's exemption Veteran's exemption
2025	$4,751.00 Disabled Person's exemption Veteran's exemption	$235,000 (-) Land $72,000 Building $163,000	$398,300 (+10.18%) Land $122,032 Building $276,268
2024		$235,000 (-) Land $72,000 Building $163,000	$361,500 (+13.82%) Land $110,757 Building $250,743
2023		$235,000 Land $72,000 Building $163,000	$317,600 Land $97,307 Building $220,293

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 72 Circular St; there have been 9 flood claims nearby since 1979.

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 File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	9 (1979–2019)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Oct 2019 · Severe Storms, Straight-line Winds, And 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

Wildfire risk around 72 Circular St is low, with less than 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 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE LUZERNE WATER DISTRICT serves 2,500 people · EPA ID NY5600108
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Circular St

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