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

Warren County and Lake Luzerne Town property record for 853 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 760 sqft · built 1960
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Apr 2024)
Tax Bill	$3,124 (2026)
Deeds & Mortgages	May 2026 Mortgage Apr 2024 Sale & Mortgage
APN	`523200 305.12-1-12`

Property Details

APN / Parcel Number

Primary APN	`523200 305.12-1-12`
Alternative APN	`320030501200010120000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	760 sqft Living Area
1st Floor Area	760 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Cottage
Exterior Material	Concrete
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	141 ft deep x 110 ft wide
View / Lot	Waterfront
Porch	Slab
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	853 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-2213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR
Legal Description	CAMP 36.-1-4
Legal Block	1
Legal Lot Number	12.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	2
Census Block	2068
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	394 PINEWOODS AVE, TROY, NY 12180-7253
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage TRUSTCO BANK
Apr 2, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2024 · Amount on Record
Deed Sale	Apr 2, 2024 · Amount on Record
Prior Sale	Jan 18, 2013 · Amount on Record
Deed Document Number	20241528
Deed Book / Page	6910 / 314
Prior Transfer Date	Mar 15, 2024
Prior Transfer Doc	0069100314
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Recording Date	May 6, 2026
Property Address	853 E RIVER DR, LAKE LUZERNE, NY 12846-2213
Document Number	0072320172
Book / Page	7232 / 172
Instrument Date	May 1, 2026
Instrument	20262715
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	853 E RIVER DR, LAKE LUZERNE, NY 12846-2213

Mortgage

Document Number	0000002715,
Date	May 6, 2026
Book Page	7232/172
Instrument	20262715

Lender

Name	TRUSTCO BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Apr 2, 2024
Property Address	853 E RIVER DR, LAKE LUZERNE, NY 12846-2213
Document Number	0069100314
Book / Page	6910 / 314
Instrument Date	Mar 15, 2024
Instrument	2024-1528
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 PINEWOODS AVE, TROY, NY 12180-4701

Mortgage

Document Number	0020241529
Date	Apr 2, 2024
Instrument	2024-1529

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

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	$3,124.00 (+4.87%)
2025	$2,979.00	$141,000 (-) Land $79,000 Building $62,000	$239,000 (+10.19%) Land $133,908 Building $105,092
2024		$141,000 (-) Land $79,000 Building $62,000	$216,900 (+13.86%) Land $121,526 Building $95,374
2023		$141,000 Land $79,000 Building $62,000	$190,500 Land $106,734 Building $83,766

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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