10 Spruce St, Valatie, NY 12184 Property Records

Columbia County and Kinderhook Town property record for 10 Spruce St, Valatie, NY 12184

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,646 sqft · built 1992
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Nov 2024)
Tax Bill	$7,836 (2026)
Deeds & Mortgages	May 2021 Line of Credit Jul 2025 Refinance + 3 more
APN	`104489 32.2-1-1.200`

Property Details

APN / Parcel Number

Primary APN	`104489 32.2-1-1.200`
Alternative APN	`448903200200010012000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,646 sqft Living Area
1st Floor Area	1,404 sqft
Upper Floors Area	1,242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1995
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	800 sqft
Porch	Slab
Porch Area	464 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10 SPRUCE ST
City	VALATIE
State	NY
Zip	12184-5322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Block	1
Legal Lot Number	1.200
Jurisdiction	COLUMBIA NY
Township / Civil Division	KINDERHOOK
Census Block Group	4
Census Block	4011
Census Tract	402

Owner

Source: Columbia County and Kinderhook Town records, as of October 20, 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	5 ORINSEKWA RD, VALATIE, NY 12184-3304
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU
Jul 22, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Nov 15, 2024	Warranty Deed, Transfer · ARM BROADVIEW FEDERAL CREDIT UNION
Sep 13, 2022	Deed, Transfer
Dec 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2024 · Amount on Record
Deed Sale	Nov 15, 2024 · Amount on Record
Prior Sale	Oct 28, 1996 · Amount on Record
Deed Book / Page	1004 / 913
Prior Transfer Date	Oct 8, 2024
Prior Transfer Doc	0000008944
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA NY
Property Address	10 SPRUCE ST, VALATIE, NY 12184-5322
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005114
Date	May 25, 2021
Book Page	932/2438
Instrument	20210005114

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	433 Months
Due	Jun 1, 2057

Interest

Rate Type	Adjustable Rate

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA NY
Property Address	10 SPRUCE ST, VALATIE, NY 12184-5322
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006445
Date	Jul 22, 2025
Book Page	1015/1734
Instrument	20250006445

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLUMBIA NY
Recording Date	Nov 15, 2024
Property Address	10 SPRUCE ST, VALATIE, NY 12184-5322
Document Number	0000008945
Book / Page	1004 / 913
Instrument Date	Nov 1, 2024
Instrument	20240008945
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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	5 ORINSEKWA RD, VALATIE, NY 12184-3304

Mortgage

Document Number	0000008946
Date	Nov 15, 2024
Instrument	20240008946

Lender

Name	BROADVIEW FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Dec 1, 2029
Index	Other

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	COLUMBIA NY
Recording Date	Sep 13, 2022
Property Address	10 SPRUCE ST, VALATIE, NY 12184-5322
Document Number	0000008717
Book / Page	969 / 1089
Instrument Date	Jul 21, 2022
Instrument	20220008717
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	9 BUTTENUT LN, SANDYSTON, NJ 07826-5068

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA NY
Property Address	10 SPRUCE ST, VALATIE, NY 12184-5322
Document Number	0000011805
Book / Page	000858 / 001317
Instrument Date	Dec 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	RAVIN TITLE AND CLOSINGS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SPRUCE ST VALATIE NY 121845322, VALATIE, NY 12184-5322

Mortgage

Document Number	0000011805
Date	Dec 13, 2017
Book Page	000858/001317
Instrument	11805

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 12, 2027

Tax Assessment & Valuation

Source: Columbia County and Kinderhook Town assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Columbia County
County Subdivision	Kinderhook Town
Unified School District	Kinderhook Central School District (Ichabod Crane) (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,836.00 (+0.46%)
2025	$7,800.00 (+2.89%)	$285,000 (-) Land $42,000 Building $243,000	$475,000 (+6.67%) Land $70,000 Building $405,000
2024	$7,581.00 Homeowner's exemption Senior Citizen's exemption	$285,000 (-) Land $42,000 Building $243,000	$445,313 (+4.69%) Land $65,625 Building $379,688
2023		$285,000 (-) Land $42,000 Building $243,000	$425,373 (+17.91%) Land $62,687 Building $362,686
2022		$285,000 Land $42,000 Building $243,000	$360,759 Land $53,164 Building $307,595

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
Nearby Flood Policies	3 in force

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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