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

Warren County and Lake Luzerne Town property record for 866 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 716 sqft · built 1950
Lot Size	0.28 acres (12,197 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Oct 2025)
Tax Bill	$2,748 (2026)
Deeds & Mortgages	Oct 2025 Sale Nov 2022 Sale & Mortgage
APN	`523200 305.12-1-10`

Property Details

APN / Parcel Number

Primary APN	`523200 305.12-1-10`
Alternative APN	`320030501200010100000000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	716 sqft Living Area
1st Floor Area	616 sqft
Attic	Attic
Attic Area	100 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Architectural Style	Cottage
Exterior Material	Wood
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	117 ft deep x 134 ft wide
View / Lot	Waterfront
Porch	Patio
Porch Area	128 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	866 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-2209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR
Legal Description	CAMP & GAR 36.-1-6
Legal Block	1
Legal Lot Number	10.000
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	Company Name on Record
Mailing Address	49 VALERIA DR, LAKE LUZERNE, NY 12846-2417
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed, Transfer
Nov 8, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage RHINEBECK SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Nov 8, 2022 · Amount on Record
Deed Book / Page	7145 / 101
Prior Transfer Date	Jul 15, 2005
Prior Transfer Doc	0014590000000160
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NY
Recording Date	Oct 16, 2025
Property Address	866 E RIVER DR, LAKE LUZERNE, NY 12846-2209
Document Number	0071450101
Book / Page	7145 / 101
Instrument Date	Oct 8, 2025
Instrument	2025-5785
Transaction Type	Transfer
Record Updated	Apr 27, 2026

Transaction

Amount	Amount Recorded
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	49 VALERIA DR, LAKE LUZERNE, NY 12846-2417

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Nov 8, 2022
Property Address	866 E RIVER DR, LAKE LUZERNE, NY 12846-2209
Document Number	0067150225
Book / Page	6715 / 225
Instrument Date	Oct 12, 2022
Instrument	2022-8251
Transaction Type	Transfer
Record Updated	Nov 29, 2022

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	45 RYANS RUN, PLEASANT VALLEY, NY 12569-7657

Mortgage

Document Number	0020228252
Date	Nov 8, 2022
Instrument	2022-8252

Lender

Name	RHINEBECK 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	$2,748.00 (+4.93%)
2025	$2,619.00	$124,000 (-) Land $54,000 Building $70,000	$210,200 (+10.17%) Land $91,539 Building $118,661
2024		$124,000 (-) Land $54,000 Building $70,000	$190,800 (+13.84%) Land $83,090 Building $107,710
2023		$124,000 Land $54,000 Building $70,000	$167,600 Land $72,987 Building $94,613

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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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