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

Warren County and Lake Luzerne Town property record for 962 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,278 sqft · built 1960
Lot Size	0.71 acres (30,928 sqft)
Owner	Individual Name on Record
Last Sale	$68,900 (Dec 2014)
Tax Bill	$1,618 (2026)
Deeds & Mortgages	May 2018 Mortgage May 2018 Loan Modification
APN	`523200 305.8-2-38.1`

Property Details

APN / Parcel Number

Primary APN	`523200 305.8-2-38.1`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,278 sqft Living Area
1st Floor Area	1,278 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	30,928 sqft (0.71 acres)
Porch	Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	962 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR
Legal Block	2
Legal Lot Number	38.001
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	2
Census Block	2066
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	Individual Name on Record
Mailing Address	PO BOX 594, LAKE LUZERNE, NY 12846-0594
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 1, 2018	Loan Modification, Mortgage · FHA Mortgage MB FIN'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2014 · Amount on Record
Deed Sale	Dec 2, 2014 · Amount on Record
Deed Book / Page	5079 / 139
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	962 E RIVER DR, LAKE LUZERNE, NY 12846
Document Number	0000003122
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	May 30, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	962 E RIVER DR LAKE LUZERNE NY 12846, LAKE LUZERNE, NY 12846

Mortgage

Document Number	0000003122
Date	May 23, 2018
Book Page	005755/000013
Instrument	3122

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2048

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WARREN NY
Property Address	962 E RIVER DR, LAKE LUZERNE, NY 12846
Document Number	0000003121
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	962 E RIVER DR LAKE LUZERNE NY 12846, LAKE LUZERNE, NY 12846

Mortgage

Document Number	0000003121
Date	May 23, 2018
Book Page	005755/000003
Instrument	3121

Lender

Name	MB FIN'L BK
Type	Bank
Address	WILMINGTON, OH 45177

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2048

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	$1,618.00 (+4.93%)
2025	$1,542.00	$73,000 (-) Land $25,000 Building $48,000	$123,700 (+25.46%) Land $42,363 Building $81,337
2023		$73,000 Land $25,000 Building $48,000	$98,600 Land $33,767 Building $64,833

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE LUZERNE WATER DISTRICT serves 2,500 people · EPA ID NY5600108
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 145 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)

Nearby Properties on E River Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures