1 Toc Dr, Highland, NY 12528 Property Records

Ulster County and Lloyd Town property record for 1 Toc Dr, Highland, NY 12528

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,652 sqft · built 1984
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,968 (2025)
Deeds & Mortgages	May 2023 Line of Credit Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`513200 87.20-3-3`

Property Details

APN / Parcel Number

Primary APN	`513200 87.20-3-3`
Alternative APN	`101660.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,652 sqft Living Area
1st Floor Area	1,132 sqft
Basement Area	520 sqft
Finished Basement	520 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Raised Ranch
Exterior Material	Wood
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	101660.000
Street Address	1 TOC DR
City	HIGHLAND
State	NY
Zip	12528-1505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1/4
Legal Subdivision	HUDSON VIEW REALTY INC
Legal Block	3
Legal Lot Number	3.000
Jurisdiction	ULSTER NY
Township / Civil Division	LLOYD
Census Block Group	3
Census Block	3005
Census Tract	953600

Owner

Source: Ulster County and Lloyd Town records, as of April 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1 TOC DR, HIGHLAND, NY 12528-1505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 25, 2019	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 29, 2011
Transfer Doc	0000011609
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1 TOC DR, HIGHLAND, NY 12528-1505
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005036
Date	May 8, 2023
Book Page	13082/194
Instrument	2023-5036

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1 TOC DR, HIGHLAND, NY 12528-1505
Transaction Type	Mortgage
Record Updated	Dec 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022343
Date	Nov 19, 2021
Book Page	12646/223
Instrument	2021-22343

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1 TOC DR, HIGHLAND, NY 12528-1505
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015816
Date	Nov 25, 2019
Book Page	11936/181
Instrument	2019-15816

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2044

Tax Assessment & Valuation

Source: Ulster County and Lloyd Town assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	New York
County	Ulster County
County Subdivision	Lloyd Town
Unified School District	Highland Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,968.00	$230,800 (-) Land $63,900 Building $166,900	$389,470 (+19.81%) Land $107,830 Building $281,640
2023		$230,800 Land $63,900 Building $166,900	$325,070 Land $90,000 Building $235,070

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, effective April 5, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2007–2011)
Most Recent Claim	Aug 2011 · Hurricane Irene

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

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	HIGHLAND WATER DISTRICT serves 4,000 people · EPA ID NY5503368
Water Source	Surface water
Last State Inspection	May 2025
Lead	6 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: T-Mobile, Verizon.

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