1150 Main St, Ruby, NY 12475 Property Records

Ulster County and Ulster Town property record for 1150 Main St, Ruby, NY 12475

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 892 sqft · built 1890
Lot Size	0.329 acres (14,355 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Nov 2005)
Tax Bill	$3,436 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`142260.000`

Property Details

APN / Parcel Number

Primary APN	`142260.000`
Alternative APN	`515400 39.6-1-21.200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	892 sqft Living Area
1st Floor Area	892 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	14,355 sqft (0.329 acres)
Lot Dimensions	165 ft deep x 87 ft wide
Porch	Slab
Porch Area	174 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	142260.000
Street Address	1150 MAIN ST
City	RUBY
State	NY
Zip	12475-8004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32
Legal Block	1
Legal Lot Number	21.200
Jurisdiction	ULSTER NY
Township / Civil Division	ULSTER
Census Block Group	2
Census Block	2006
Census Tract	951500

Owner

Source: Ulster County and Ulster Town records, as of September 1, 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	1150 MAIN ST, KINGSTON, NY 12401-7328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ULSTER SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2005 · Amount on Record
Deed Sale	Nov 1, 2005 · Amount on Record
Prior Sale	Oct 1, 1997 · Amount on Record
Deed Document Number	200529266
Deed Book / Page	4166 / 223
Prior Transfer Date	Dec 20, 2003
Prior Transfer Doc	0000040464
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1150 MAIN ST, RUBY, NY 12475-8004
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012141
Date	Jul 14, 2022
Book Page	12884/307
Instrument	2022-12141

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1150 MAIN ST, RUBY, NY 12475-8004
Transaction Type	Mortgage
Record Updated	Apr 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011454
Date	Aug 20, 2020
Book Page	12140/334
Instrument	2020-11454

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

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	$3,436.00 (+179.8%)	$71,100 (-) Land $27,600 Building $43,500	$173,415 (+21.95%) Land $67,317 Building $106,098
2023		$71,100 (-) Land $27,600 Building $43,500	$142,200 (+1%) Land $55,200 Building $87,000
2022		$71,100 Land $27,600 Building $43,500	$129,273 Land $50,182 Building $79,091
2021	$1,228.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	0.02% annual chance
Exposure	Direct burnable vegetation

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	HALCYON PARK WATER DISTRICT serves 402 people · EPA ID NY5503391
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

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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