76 Wardner Rd, Rainbow Lake, NY 12976 Property Records

Franklin County and Brighton Town property record for 76 Wardner Rd, Rainbow Lake, NY 12976

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,632 sqft · built 1989
Lot Size	6.95 acres (302,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Dec 2022)
Tax Bill	$4,774 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Aug 2020 Sale
APN	`1-004-16.03`

Property Details

APN / Parcel Number

Primary APN	`1-004-16.03`
Alternative APNs	`300038200000010243000000` `163000 382.-1-24.300`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,632 sqft Living Area
1st Floor Area	1,632 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	302,742 sqft (6.95 acres)
Garage Area	672 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	1,197 sqft
Canopy	138 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1-004-16.03
Street Address	76 WARDNER RD
City	RAINBOW LAKE
State	NY
Zip	12976-7700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WARNER RUSS FLETCHER GIROUARD
Legal Block	1
Legal Lot Number	24.300
Jurisdiction	FRANKLIN NY
Township / Civil Division	BRIGHTON
Census Block Group	1
Census Block	1040
Census Tract	950800

Owner

Source: Franklin County and Brighton Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 114, RAINBOW LAKE, NY 12976-0114
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage PARAGON HOME LOANS INC
Aug 3, 2020	Grant Deed, Transfer LIBERTY ABSTRACT COMPANY, LIBERTY ABSTRACT CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2022 · Amount on Record
Deed Sale	Dec 13, 2022 · Amount on Record
Prior Sale	Aug 3, 2020 · Amount on Record
Deed Document Number	20226687
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Dec 13, 2022
Property Address	76 WARDNER RD, RAINBOW LAKE, NY 12976-7700
Document Number	0000006687
Instrument Date	Dec 5, 2022
Instrument	2022-6687
Transaction Type	Transfer
Record Updated	Jan 3, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	46 ROOSEVELT LN, BLOOMINGDALE, NY 12913-1802

Mortgage

Document Number	0000006688
Date	Dec 13, 2022
Instrument	2022-6688

Lender

Name	PARAGON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN NY
Recording Date	Aug 3, 2020
Property Address	76 WARDNER RD, RAINBOW LAKE, NY 12976-7700
Document Number	0000003072
Instrument Date	Jul 30, 2020
Instrument	3072
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	LIBERTY ABSTRACT COMPANY, LIBERTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Tax	$1,300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1034 STATE ROUTE 3 SARANAC LAKE NY 129835110, SARANAC LAKE, NY 12983-5110

Tax Assessment & Valuation

Source: Franklin County and Brighton Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Franklin County
County Subdivision	Brighton Town
Unified School District	Saranac Lake Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,774.00 (-6.13%)
2025	$5,086.00 (+242.26%)	$395,000 (+132.9%) Land $51,500 Building $343,500	$395,000 (+32.75%) Land $51,500 Building $343,500
2023		$169,600 (-) Land $29,500 Building $140,100	$297,544 (+14.91%) Land $51,754 Building $245,790
2022		$169,600 Land $29,500 Building $140,100	$258,931 Land $45,038 Building $213,893
2021	$1,486.00

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
Nearby Flood Policies	2 in force

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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