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

Warren County and Lake Luzerne Town property record for 985 E River Dr, Lake Luzerne, NY 12846

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,020 sqft · built 1950
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Oct 2020)
Tax Bill	$1,804 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Apr 2017 Mortgage
APN	`523200 305.8-2-29`

Property Details

APN / Parcel Number

Primary APN	`523200 305.8-2-29`
Alternative APN	`320030500800020290000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	198 sqft
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	985 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.-2-9
Legal Block	2
Legal Lot Number	29.000
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 October 19, 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	985 E RIVER DR, LAKE LUZERNE, NY 12846-2302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Warranty Deed, Transfer HOME PT FIN'L
Apr 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUDSON RIVER CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2020 · Amount on Record
Deed Sale	Oct 5, 2020 · Amount on Record
Prior Sale	Jun 11, 2010 · Amount on Record
Deed Document Number	20206400
Deed Book / Page	6196 / 252
Prior Transfer Date	Sep 30, 2020
Prior Transfer Doc	0061960256
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN NY
Recording Date	Oct 5, 2020
Property Address	985 E RIVER DR, LAKE LUZERNE, NY 12846-2302
Document Number	0000006400
Book / Page	006196 / 000252
Instrument Date	Sep 30, 2020
Instrument	6400
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	NTC - KEY W

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 ANTONE MOUNTAIN RD #31 CORINTH NY 128222636, 31, CORINTH, NY 12822-2636

Mortgage

Document Number	6401
Date	Oct 5, 2020
Book Page	006196/000256
Instrument	6401

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NY
Property Address	985 E RIVER DR, LAKE LUZERNE, NY 12846-2302
Document Number	0000002646
Book / Page	005545 / 000097
Instrument Date	Apr 11, 2017
Transaction Type	Mortgage
Record Updated	Sep 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 E RIVER DR LAKE LUZERNE NY 128462302, LAKE LUZERNE, NY 12846-2302

Mortgage

Document Number	0000002646
Date	Apr 21, 2017
Book Page	005545/000097
Instrument	2646

Lender

Name	HUDSON RIVER CMNTY CU
Type	Credit Union
Address	CORINTH, NY 12822

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 20, 2037

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	$1,804.00 (+4.7%)
2025	$1,723.00	$80,000 (-) Land $24,000 Building $56,000	$135,600 (+10.15%) Land $40,680 Building $94,920
2024		$80,000 (-) Land $24,000 Building $56,000	$123,100 (+13.88%) Land $36,930 Building $86,170
2023		$80,000 Land $24,000 Building $56,000	$108,100 Land $32,430 Building $75,670

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 121 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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