1137 Main St, Ruby, NY 12475 Property Records

Ulster County and Ulster Town property record for 1137 Main St, Ruby, NY 12475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 1989
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,578 (2025)
Deeds & Mortgages	Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`515400 39.6-2-6.120`

Property Details

APN / Parcel Number

Primary APN	`515400 39.6-2-6.120`
Alternative APN	`123137.120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
1st Floor Area	1,120 sqft
2nd Floor Area	448 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	187,308 sqft (4.3 acres)
Garage Area	1,232 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Slab
Porch Area	610 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	123137.120
Street Address	1137 MAIN ST
City	RUBY
State	NY
Zip	12475-8026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32
Legal Subdivision	MAP OF LANDS OF LINDA TIANO
Legal Block	2
Legal Lot Number	6.120
Jurisdiction	ULSTER NY
Township / Civil Division	ULSTER
Census Block Group	2
Census Block	2014
Census Tract	951500

Owner

Source: Ulster County and Ulster 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	PO BOX 172, RUBY, NY 12475-0172
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1137 MAIN ST, RUBY, NY 12475-8026
Document Number	0000000908
Book / Page	011223 / 000183
Instrument Date	Dec 31, 2016
Transaction Type	Mortgage
Record Updated	Feb 20, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1137 MAIN ST RUBY NY 12475, RUBY, NY 12475

Mortgage

Document Number	0000000908
Date	Jan 19, 2017
Book Page	011223/000183
Instrument	908

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Ulster County
County Subdivision	Ulster Town
Unified School District	Kingston City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,578.00 (+225.66%)	$177,500 (+16.39%) Land $42,000 Building $135,500	$432,927 (+41.94%) Land $102,439 Building $330,488
2023		$152,500 (-) Land $42,000 Building $110,500	$305,000 (+1%) Land $84,000 Building $221,000
2022		$152,500 Land $42,000 Building $110,500	$277,273 Land $76,364 Building $200,909
2021	$2,634.00

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1993–2011)
Claims Outside the SFHA	2 of 4
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	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 93 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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