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

Warren County and Lake Luzerne Town property record for 740 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 782 sqft · built 1960
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Mar 2026)
Tax Bill	$5,048 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2023 Sale & Mortgage
APN	`523200 305.16-1-19`

Property Details

APN / Parcel Number

Primary APN	`523200 305.16-1-19`
Alternative APN	`320030501600010190000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	782 sqft Living Area
1st Floor Area	782 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	Raised
Lot Area	36,155 sqft (0.83 acres)
Lot Dimensions	180 ft deep x 200 ft wide
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	720 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	800 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	740 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-RU
Legal Description	CAMP 41.-1-14
Legal Block	1
Legal Lot Number	19.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	2
Census Block	2074
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	160 N RIVER DR, BEACON, NY 12508-7007
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed, Transfer UNITED WHOLESALE MORTGAGE
Jan 13, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage ULSTER SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on Record
Deed Sale	Mar 16, 2026 · Amount on Record
Prior Sale	Jan 13, 2023 · Amount on Record
Deed Document Number	20261704
Deed Book / Page	7210 / 3
Prior Transfer Date	May 12, 2014
Prior Transfer Doc	0000004321
Record Updated	Oct 29, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NY
Recording Date	Mar 16, 2026
Property Address	740 E RIVER DR, LAKE LUZERNE, NY 12846-2207
Document Number	0072100003
Book / Page	7210 / 3
Instrument Date	Feb 20, 2026
Instrument	2026-1704
Transaction Type	Transfer
Record Updated	Apr 8, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 N RIVER DR, BEACON, NY 12508-7007

Mortgage

Document Number	0020261705
Date	Mar 16, 2026
Instrument	2026-1705

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Jan 13, 2023
Property Address	740 E RIVER DR, LAKE LUZERNE, NY 12846-2207
Document Number	0067430296
Book / Page	6743 / 296
Instrument Date	Sep 21, 2022
Instrument	2023-0246
Transaction Type	Transfer
Record Updated	Feb 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8838 240TH ST, BELLEROSE, NY 11426-1236

Mortgage

Document Number	0020230247
Date	Jan 13, 2023
Instrument	2023-0247

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,048.00 (+5.1%)
2025	$4,803.00	$228,000 (-) Land $107,000 Building $121,000	$386,400 (+10.15%) Land $181,337 Building $205,063
2024		$228,000 (-) Land $107,000 Building $121,000	$350,800 (+13.86%) Land $164,630 Building $186,170
2023		$228,000 Land $107,000 Building $121,000	$308,100 Land $144,591 Building $163,509

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 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 and 4G LTE (outdoors only)

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