Franklin County and Harrietstown Town property record for 97 Cherry Tree Ln, Saranac Lake, NY 12983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,788 sqft · built 2004 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,000 (Nov 2012) |
| Tax Bill | $6,987 (2026) |
| Deeds & Mortgages | Sep 2023 Refinance |
| APN | 164689 435.-4-16 |
| Primary APN | 164689 435.-4-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,788 sqft Living Area |
| 1st Floor Area | 1,534 sqft |
| 2nd Floor Area | 1,254 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Lot Area | 42,689 sqft (0.98 acres) |
| Garage Type | Attached |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 348 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 97 CHERRY TREE LN |
|---|---|
| City | SARANAC LAKE |
| State | NY |
| Zip | 12983-5504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | BEECHWOOD LOT 16 |
| Legal Block | 4 |
| Legal Lot Number | 16.000 |
| Jurisdiction | FRANKLIN NY |
| Township / Civil Division | HARRIETSTOWN |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 950900 |
97 Cherry Tree Ln is owned and occupied by two individuals who bought it in November 2012.
Source: Franklin County and Harrietstown Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 97 CHERRY TREE LN, SARANAC LAKE, NY 12983-5504 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2012 · Amount on File |
| Deed Sale | Nov 19, 2012 · Amount on File |
| Prior Sale | Dec 10, 2001 · Amount on File |
| Deed Book / Page | 2012 / 6071 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN NY |
| Property Address | 97 CHERRY TREE LN, SARANAC LAKE, NY 12983-5504 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000004128 |
|---|---|
| Date | Sep 14, 2023 |
| Instrument | 2023-4128 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2033 |
The 2026 property tax bill for 97 Cherry Tree Ln was $6,987 with a homeowner's exemption, up 1.8% from the year before.
Source: Franklin County and Harrietstown Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Franklin County |
| County Subdivision | Harrietstown Town |
| Unified School District | Saranac Lake Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,987.00 (+1.84%) Homeowner's exemption | ||
| 2025 | $6,861.00 | $345,000 Land $45,400 Building $299,600 | $526,236 Land $69,250 Building $456,986 |
| 2023 | $345,000 Land $45,400 Building $299,600 | $472,603 Land $62,192 Building $410,411 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 97 Cherry Tree Ln; 1 flood insurance policy is in force nearby.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 1 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 risk around 97 Cherry Tree Ln 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 | 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.
Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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