1156 Main St, Ruby, NY 12475 Property Records

Ulster County and Ulster Town property record for 1156 Main St, Ruby, NY 12475

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,841 sqft · built 1931
Lot Size	0.681 acres (29,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$173,000 (May 2020)
Tax Bill	$7,147 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`515400 39.6-1-22`

Property Details

APN / Parcel Number

Primary APN	`515400 39.6-1-22`
Alternative APN	`123418.000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,841 sqft Living Area
1st Floor Area	1,495 sqft
Upper Floors Area	346 sqft

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	29,700 sqft (0.681 acres)
Lot Dimensions	165 ft deep x 180 ft wide
Garage Type	Detached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	186 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	123418.000
Street Address	1156 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	22.000
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 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	1156 MAIN ST, RUBY, NY 12475-8004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · Line of Credit MID HUDSON VALLEY FCU
May 11, 2020	Deed, Transfer · Stand-Alone First Mortgage MID HUDSON VALLEY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on Record
Deed Sale	May 11, 2020 · Amount on Record
Prior Sale	Jul 3, 2006 · Amount on Record
Deed Document Number	20206110
Deed Book / Page	6599 / 112
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1156 MAIN ST, RUBY, NY 12475-8004
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012423
Date	Oct 22, 2025
Book Page	13615/228
Instrument	2025-12423

Lender

Name	MID HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ULSTER NY
Recording Date	May 11, 2020
Property Address	1156 MAIN ST, RUBY, NY 12475-8004
Document Number	0000006110
Book / Page	6599 / 112
Instrument Date	Apr 29, 2020
Instrument	2020-6110
Transaction Type	Transfer
Record Updated	May 10, 2022

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	15 GRAVEL RD, HIGH FALLS, NY 12440-5116

Mortgage

Document Number	0000006111
Date	May 11, 2020
Instrument	2020-6111

Lender

Name	MID HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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	$7,147.00 (+231.03%)	$125,000 (-) Land $31,600 Building $93,400	$304,878 (+21.95%) Land $77,073 Building $227,805
2023		$125,000 (-) Land $31,600 Building $93,400	$250,000 (+1%) Land $63,200 Building $186,800
2022		$125,000 Land $31,600 Building $93,400	$227,273 Land $57,455 Building $169,818
2021	$2,159.00

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	0.02% 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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