977 Pine St, Saranac Lake, NY 12983 Property Records

Essex County and North Elba Town property record for 977 Pine St, Saranac Lake, NY 12983

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,028 sqft · built 1920
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Dec 2023)
Tax Bill	$1,889 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2008 Mortgage + 2 more
APN	`671A102609`

Property Details

APN / Parcel Number

Primary APN	`671A102609`
Alternative APNs	`1540030320KD00020040000000` `154003 32.232-2-4.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,028 sqft Living Area
1st Floor Area	728 sqft
Upper Floors Area	300 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	13,068 sqft (0.3 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	439 sqft
Shed	1 Shed
Canopy	78 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	671A102609
Street Address	977 PINE ST
City	SARANAC LAKE
State	NY
Zip	12983-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	13 TWP 11 OMT
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	ESSEX NY
Township / Civil Division	NORTH ELBA
Census Block Group	2
Census Block	2015
Census Tract	960401

Owner

977 Pine St is owned and occupied by two individuals who bought it in December 2023.

Source: Essex County and North Elba Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	977 PINE ST, SARANAC LAKE, NY 12983-1902
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
Jan 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK NA
Jan 4, 2008	Deed of Trust, Mortgage TICONDEROGA FEDERAL CREDIT UNION
Dec 8, 2023	Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA
Aug 9, 2021	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2023 · Amount on File
Deed Sale	Dec 8, 2023 · Amount on File
Prior Sale	Aug 9, 2021 · Amount on File
Deed Document Number	20234438
Deed Book / Page	2147 / 166
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NY
Property Address	977 PINE ST, SARANAC LAKE, NY 12983-1902
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002026073
Date	Jan 7, 2026
Instrument	2026-073

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2046

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NY
Property Address	977 PINE ST, SARANAC LAKE, NY 12983-1902
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001778/0000000240
Date	Jan 4, 2008
Book Page	0000001778/0000000240
Instrument	2008-0000065

Lender

Name	TICONDEROGA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NY
Recording Date	Dec 8, 2023
Property Address	977 PINE ST, SARANAC LAKE, NY 12983-1902
Document Number	002147/166
Book / Page	2147 / 166
Instrument Date	Dec 6, 2023
Instrument	2023-4438
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	977 PINE ST, SARANAC LAKE, NY 12983-1902

Mortgage

Document Number	0020234439
Date	Dec 8, 2023
Instrument	2023-4439

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	253 Months
Due	Jan 1, 2045

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	Aug 9, 2021
Property Address	977 PINE ST, SARANAC LAKE, NY 12983-1902
Document Number	2046/21
Book / Page	2046 / 21
Instrument Date	Aug 3, 2021
Instrument	2021-4049
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount on Record
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	977 PINE ST, SARANAC LAKE, NY 12983-1902

Mortgage

Document Number	0020214050
Date	Aug 9, 2021
Instrument	2021-4050

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 977 Pine St was $1,889, down 46.9% from the year before.

Source: Essex County and North Elba Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Essex County
County Subdivision	North Elba Town
Municipality	Saranac Lake Village
Unified School District	Saranac Lake Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,889.00 (-46.89%)
2025	$3,557.00	$180,000 Land $59,500 Building $120,500	$180,000 Land $59,500 Building $120,500
2023		$153,000 (+17.96%) Land $55,100 Building $97,900	$153,000 (+17.96%) Land $55,100 Building $97,900
2022	$1,113.00	$129,700 Land $47,700 Building $82,000	$129,700 Land $47,700 Building $82,000
2020	$2,372.00

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

Flood

FEMA has no flood map on file for 977 Pine St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 977 Pine St 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.

Drinking Water

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

Water System	SARANAC LAKE V serves 5,345 people · EPA ID NY1600011
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2021–2023) 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 68 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
Starlink Satellite	280 / 30

May also be available: SLICFiber, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pine St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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