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

Warren County and Lake Luzerne Town property record for 974 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 868 sqft · built 1950
Lot Size	1.29 acres (56,192 sqft)
Owner	2 Individual Names on Record
Last Sale	$182,800 (Oct 2022)
Tax Bill	$2,142 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
APN	`523200 305.8-2-37`

Property Details

APN / Parcel Number

Primary APN	`523200 305.8-2-37`
Alternative APN	`320030500800020370000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	868 sqft Living Area
1st Floor Area	768 sqft
Upper Floors Area	100 sqft
Attic	Attic
Attic Area	100 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	56,192 sqft (1.29 acres)
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	512 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	974 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR
Legal Description	RES. 35.-1-8
Legal Block	2
Legal Lot Number	37.000
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	2 Individual Names on Record
Mailing Address	PO BOX 439, LAKE LUZERNE, NY 12846-0439
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2022 · Amount on Record
Deed Sale	Oct 4, 2022 · Amount on Record
Deed Document Number	20227457
Deed Book / Page	6699 / 40
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Oct 4, 2022
Property Address	974 E RIVER DR, LAKE LUZERNE, NY 12846
Document Number	0066990040
Book / Page	6699 / 40
Instrument Date	Aug 25, 2022
Instrument	2022-7457
Transaction Type	Transfer
Record Updated	Oct 25, 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	130 DOBGAN HILLS AVE, STATEN ISLAND, NY 10305-1208

Mortgage

Document Number	0020227458
Date	Oct 4, 2022
Instrument	2022-7458

Lender

Name	ROCKET MORTGAGE

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	$2,142.00 (+4.69%)
2025	$2,046.00	$95,000 (-) Land $28,000 Building $67,000	$161,000 (+25.39%) Land $47,453 Building $113,547
2023		$95,000 Land $28,000 Building $67,000	$128,400 Land $37,844 Building $90,556

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)

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