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

Warren County and Lake Luzerne Town property record for 977 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1990
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$229,900 (Mar 2022)
Tax Bill	$2,790 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jun 2020 Sale + 2 more
APN	`523200 305.8-2-27`

Property Details

APN / Parcel Number

Primary APN	`523200 305.8-2-27`
Alternative APN	`320030500800020270000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Game Room	Game Room

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Basement
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	977 E RIVER DR
City	LAKE LUZERNE
State	NY
Zip	12846-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR
Legal Description	RES 35.-2-14
Legal Block	2
Legal Lot Number	27.000
Jurisdiction	WARREN NY
Township / Civil Division	LAKE LUZERNE
Census Block Group	2
Census Block	2064
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	977 E RIVER DR, LAKE LUZERNE, NY 12846-2302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2022	Warranty Deed, Subdivision Related Transfer · Stand-Alone First Mortgage HOME POINT FINANCIAL CORPORATION
Jun 9, 2020	Grant Deed, Transfer SMPR TITLE AGENCY INC
Aug 28, 2019	Trustee's Deed, Foreclosure TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Oct 24, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	Jun 9, 2020 · Amount on Record
Deed Book / Page	6577 / 319
Prior Transfer Date	Aug 12, 2019
Prior Transfer Doc	0000005315
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Mar 4, 2022
Property Address	977 E RIVER DR, LAKE LUZERNE, NY 12846-2302
Document Number	0065770319
Book / Page	6577 / 319
Instrument Date	Mar 2, 2022
Instrument	2022-1987
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
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	21 ROBERTS LN, HADLEY, NY 12835-3428

Mortgage

Document Number	0020221988
Date	Mar 4, 2022
Instrument	2022-1988

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Apr 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NY
Recording Date	Jun 9, 2020
Property Address	977 E RIVER DR, LAKE LUZERNE, NY 12846-2302
Document Number	0000003109
Book / Page	006119 / 000051
Instrument Date	May 8, 2020
Instrument	3109
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	SMPR TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2607 N SHORE RD HADLEY NY 128352919, HADLEY, NY 12835-2919

August 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WARREN NY
Recording Date	Aug 28, 2019
Property Address	977 E RIVER DR, LAKE LUZERNE, NY 12846-2302
Document Number	0000005315
Book / Page	005981 / 000051
Instrument Date	Jul 23, 2019
Instrument	5315
Transaction Type	Foreclosure
Record Updated	Sep 19, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Tax	$676.44
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3637 SENTARA WAY VIRGINIA BEACH VA 234524262, VIRGINIA BEACH, VA 23452-4262

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARREN NY
Recording Date	Oct 24, 2018
Property Address	977 E RIVER DR, LAKE LUZERNE, NY 12846-2302
Document Number	0000006981
Book / Page	005838 / 000055
Instrument Date	Oct 19, 2018
Instrument	6981
Transaction Type	Transfer
Record Updated	Nov 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 E RIVER DR LAKE LUZERNE NY 128462302, LAKE LUZERNE, NY 12846-2302

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	$2,790.00 (+4.34%) Veteran's exemption
2025	$2,674.00 Veteran's exemption	$137,000 (-) Land $25,000 Building $112,000	$232,200 (+10.15%) Land $42,372 Building $189,828
2024		$137,000 (-) Land $25,000 Building $112,000	$210,800 (+13.88%) Land $38,467 Building $172,333
2023		$137,000 (-) Land $25,000 Building $112,000	$185,100 (+16.2%) Land $33,777 Building $151,323
2022		$137,000 Land $25,000 Building $112,000	$159,300 Land $29,069 Building $130,231

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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