Clinton County and Saranac Town property record for 78 Cold Brook Rd, Saranac, NY 12981
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,344 sqft · built 1990 |
| Lot Size | 3.3 acres (143,748 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $3,209 (2026) |
| Deeds & Mortgages | Apr 2021 Refinance Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 094489 260.-1-15 |
| Primary APN | 094489 260.-1-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 143,748 sqft (3.3 acres) |
| Garage Type | Detached |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Porch |
| Porch Area | 320 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 78 COLD BROOK RD |
|---|---|
| City | SARANAC |
| State | NY |
| Zip | 12981-2502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 15.000 |
| Jurisdiction | CLINTON NY |
| Township / Civil Division | SARANAC |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 103800 |
Source: Clinton County and Saranac 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 Company Names on Record |
|---|---|
| Mailing Address | 78 COLD BROOK RD, SARANAC, NY 12981-2502 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Apr 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW YORK AFFORDABLE HOUSING CORP |
| Jul 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RURAL HSNG SVC OR SUCCESSOR AG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 19, 1996 |
| Transfer Doc | 0982000287 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 78 COLD BROOK RD, SARANAC, NY 12981-2502 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021000315343 |
|---|---|
| Date | Apr 20, 2021 |
| Instrument | 20210-00315343 |
| Name | NEW YORK AFFORDABLE HOUSING CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 78 COLD BROOK RD, SARANAC, NY 12981-2502 |
| Document Number | 0000301966 |
| Instrument Date | Jul 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 78 COLD BROOK RD SARANAC NY 129812502, SARANAC, NY 12981-2502 |
| Document Number | 0000301966 |
|---|---|
| Date | Jul 15, 2019 |
| Instrument | 301966 |
| Name | RURAL HSNG SVC OR SUCCESSOR AG |
|---|---|
| Address | SAINT LOUIS, MO 63166 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 14, 2039 |
Source: Clinton County and Saranac Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Clinton County |
| County Subdivision | Saranac Town |
| Unified School District | Saranac Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,209.00 (+199.91%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $1,070.00 | $133,000 (-) Land $23,300 Building $109,700 | $144,000 (+8.27%) Land $25,227 Building $118,773 |
| 2023 | $133,000 Land $23,300 Building $109,700 | $133,000 Land $23,300 Building $109,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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.
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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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