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109 Smith St, Poughkeepsie, NY 12601 Property Records

Dutchess County and Poughkeepsie City property record for 109 Smith St, Poughkeepsie, NY 12601

Property Summary

Property TypeCommercial
Details2,746 sqft · built 1920
Lot Size0.12 acres (5,227 sqft)
OwnerIndividual Name on Record
Last Sale$350,000 (Jun 2022)
Tax Bill$13,574 (2025)
Deeds & MortgagesJun 2022 Mortgage
Sep 2023 Mortgage
Flood ZoneZone X (minimal risk)
APN131300-6162-72-377154-0000

Property Details

APN / Parcel Number

Primary APN131300-6162-72-377154-0000
Alternative APNs
  • 130000616200723771540000
  • 131300 6.162-72-377.154
  • 418090

Interior

Stories2 Stories
Building Area2,746 sqft Gross Area
1st Floor Area650 sqft
Basement Area1,008 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1956
Lot Area5,227 sqft (0.12 acres)
Lot Dimensions110 ft deep x 42 ft wide
Garage TypeDetached
Garage Area880 sqft
Parking Spaces4 Parking Spaces
PorchCovered Porch
Porch Area80 sqft

Utilities, Heating & Cooling

Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number418090
Street Address109 SMITH ST
CityPOUGHKEEPSIE
StateNY
Zip12601-2619
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning CodeR-4
Legal Description0.12 AC 0768 0148
Legal Block72
Legal Lot Number377
JurisdictionDUTCHESS NY
Township / Civil DivisionPOUGHKEEPSIE
Census Block Group3
Census Block3005
Census Tract220300

Owner

Source: Dutchess County and Poughkeepsie City records, as of April 29, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address109 SMITH ST, POUGHKEEPSIE, NY 12601-2619
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 22, 2022Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Sep 27, 2023Deed of Trust, Mortgage · FHA Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 22, 2022 · Amount on Record
Deed SaleJun 22, 2022 · Amount on Record
Deed Document Number20222022-52235
Record UpdatedJun 8, 2026

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDUTCHESS NY
Property Address109 SMITH ST, POUGHKEEPSIE, NY 12601-2619
Transaction TypeMortgage
Record UpdatedFeb 13, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000053409
DateJun 22, 2022
Instrument53409
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2052

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDUTCHESS NY
Property Address109 SMITH ST, POUGHKEEPSIE, NY 12601-2619
Transaction TypeMortgage
Record UpdatedFeb 13, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000052802
DateSep 27, 2023
Instrument52802
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term349 Months
DueOct 1, 2052

Tax Assessment & Valuation

Source: Dutchess County and Poughkeepsie City assessment roll, as of April 29, 2026

Property Jurisdictions

TypeName
StateNew York
CountyDutchess County
MunicipalityPoughkeepsie City
Unified School DistrictPoughkeepsie City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$13,574.00$374,700 (+7.12%) Land $50,500 Building $324,200$374,700 (+7.12%) Land $50,500 Building $324,200
2023$349,800 (+23.21%) Land $50,500 Building $299,300$349,800 (+23.21%) Land $50,500 Building $299,300
2022$283,900 Land $50,500 Building $233,400$283,900 Land $50,500 Building $233,400

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 July 26, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Nearby Flood Policies10 in force
Nearby Flood Claims4 (2011–2021)
Most Recent ClaimSep 2021 · Remnants Of Hurricane Ida
Claims by Event
  • Remnants Of Hurricane Ida, Sep 2021 · 2 claims
  • Hurricane Irene, Aug 2011 · 2 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 RiskNot rated
no burnable land 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 SystemPOUGHKEEPSIE CITY
serves 30,639 people · EPA ID NY1330291
Water SourcePurchased surface water from POUGHKEEPSIE CITY/TOWN TREATMENT PLANT
Last State InspectionOct 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 464 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber · Fixed Wireless in parts of the area		2,300 / 2,300
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: Optimum.

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