964 True Brook Rd, Saranac, NY 12981 Property Records

Clinton County and Saranac Town property record for 964 True Brook Rd, Saranac, NY 12981

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,698 sqft · built 1975
Lot Size	6.25 acres (272,250 sqft)
Owner	Individual Name on File
Last Sale	$143,600 (Jan 2014)
Tax Bill	$4,343 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`094489 225.-1-18.1`

Property Details

APN / Parcel Number

Primary APN	`094489 225.-1-18.1`
Alternative APN	`448922500000010180010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,698 sqft Living Area
1st Floor Area	925 sqft
2nd Floor Area	710 sqft
Upper Floors Area	63 sqft
Attic	Attic
Attic Area	63 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	272,250 sqft (6.25 acres)
Garage Type	Attached
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	545 sqft
Patio Area	348 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	964 TRUE BROOK RD
City	SARANAC
State	NY
Zip	12981-2833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 45 T4OMT
Legal Block	1
Legal Lot Number	18.001
Jurisdiction	CLINTON NY
Township / Civil Division	SARANAC
Census Block Group	2
Census Block	2002
Census Tract	103800

Owner

964 True Brook Rd is owned and occupied by an individual who bought it in January 2014.

Source: Clinton County and Saranac Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1 HARDSCRABBLE RD, CADYVILLE, NY 12918-2200
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK NA
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2014 · Amount on File
Deed Sale	Jan 7, 2014 · Amount on File
Deed Book / Page	20142 / 62336
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	964 TRUE BROOK RD, SARANAC, NY 12981-2833
Document Number	0000310594
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 19, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 TRUE BROOK RD SARANAC NY 129812833, SARANAC, NY 12981-2833

Mortgage

Document Number	0000310594
Date	Oct 7, 2020
Instrument	310594

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	964 TRUE BROOK RD, SARANAC, NY 12981-2833
Document Number	0000310595
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 19, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 TRUE BROOK RD SARANAC NY 129812833, SARANAC, NY 12981-2833

Mortgage

Document Number	0000310595
Date	Oct 7, 2020
Instrument	310595

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 6, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 964 True Brook Rd was $4,343 with a homeowner's exemption, up 199.7% from the year before.

Source: Clinton County and Saranac Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Clinton County
County Subdivision	Saranac Town
Unified School District	Saranac Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,343.00 (+199.72%) Homeowner's exemption
2025	$1,449.00	$180,000 Land $31,300 Building $148,700	$194,900 Land $33,891 Building $161,009
2023		$180,000 Land $31,300 Building $148,700	$180,000 Land $31,300 Building $148,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 964 True Brook Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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.

Wildfire

Wildfire risk around 964 True Brook Rd is low, with a 0.01% annual chance of 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 1 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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