1048 N Mountain Rd, Gardiner, NY 12525 Property Records

Ulster County and Gardiner Town property record for 1048 N Mountain Rd, Gardiner, NY 12525

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,728 sqft · built 1955
Lot Size	5.9 acres (257,004 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Jan 2002)
Tax Bill	$8,736 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`512400 93.1-3-30`

Property Details

APN / Parcel Number

Primary APN	`512400 93.1-3-30`
Alternative APN	`105510.000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	1,728 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	257,004 sqft (5.9 acres)
Lot Width	256 ft Width
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	259 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	105510.000
Street Address	1048 N MOUNTAIN RD
City	GARDINER
State	NY
Zip	12525-5010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	3
Legal Lot Number	30.000
Jurisdiction	ULSTER NY
Township / Civil Division	GARDINER
Census Block Group	3
Census Block	3007
Census Tract	954200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1048 N MOUNTAIN RD, GARDINER, NY 12525-5010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · Line of Credit WALDEN FEDERAL SAVINGS BANK
May 5, 2022	Deed, Transfer
Jan 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2002 · Amount on Record
Deed Sale	Jan 11, 2002 · Amount on Record
Prior Sale	Jun 5, 2001 · Amount on Record
Deed Document Number	20023
Deed Book / Page	3282 / 46
Last Transfer Date	Apr 29, 2022
Transfer Doc	0000008152
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1048 N MOUNTAIN RD, GARDINER, NY 12525-5010
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007276
Date	Apr 22, 2022
Book Page	12809/292
Instrument	2022-7276

Lender

Name	WALDEN FEDERAL SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ULSTER NY
Recording Date	May 5, 2022
Property Address	1048 N MOUNTAIN RD, GARDINER, NY 12525-5010
Document Number	0000008152
Book / Page	7060 / 94
Instrument Date	Apr 29, 2022
Instrument	2022-8152
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 N MOUNTAIN RD, GARDINER, NY 12525-5010

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1048 N MOUNTAIN RD, GARDINER, NY 12525-5010
Document Number	0000001942
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Mar 6, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 N MOUNTAIN RD GARDINER NY 125255010, GARDINER, NY 12525-5010

Mortgage

Document Number	0000001942
Date	Feb 6, 2018
Book Page	011500/000122
Instrument	1942

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Ulster County
County Subdivision	Gardiner Town
Unified School District	Wallkill Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,736.00 (+388.59%)	$258,500 (-) Land $124,000 Building $134,500	$449,565 (+16.52%) Land $215,652 Building $233,913
2023		$258,500 (-) Land $124,000 Building $134,500	$385,821 (+7.46%) Land $185,075 Building $200,746
2022		$258,500 Land $124,000 Building $134,500	$359,028 Land $172,222 Building $186,806
2021	$1,788.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	11 (2005–2022)
Claims Outside the SFHA	9 of 11
Most Recent Claim	Apr 2022 · river or lake flooding
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims Hurricane Irene, Aug 2011 · 5 claims

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 66% of the US · above 98.2% of New York
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 / 50

Cell Coverage

4G LTE (outdoors only), no 5G reported

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