1190 Main St, Ruby, NY 12475 Property Records

Ulster County and Ulster Town property record for 1190 Main St, Ruby, NY 12475

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,184 sqft · built 1930
Lot Size	1.75 acres (76,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Mar 2012)
Tax Bill	$5,799 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit May 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`515400 39.6-3-16`

Property Details

APN / Parcel Number

Primary APN	`515400 39.6-3-16`
Alternative APN	`134062.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,184 sqft Living Area
1st Floor Area	1,092 sqft
2nd Floor Area	1,092 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	76,450 sqft (1.75 acres)
Lot Dimensions	275 ft deep x 278 ft wide
Porch	Patio
Porch Area	573 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	134062.000
Street Address	1190 MAIN ST
City	RUBY
State	NY
Zip	12475-8004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	32
Legal Block	3
Legal Lot Number	16.000
Jurisdiction	ULSTER NY
Township / Civil Division	ULSTER
Census Block Group	2
Census Block	2008
Census Tract	951500

Owner

Source: Ulster County and Ulster Town records, as of May 13, 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 42, RUBY, NY 12475-0042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit MID-HUDSON VALLEY FEDERAL CREDIT UNION
May 8, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 25, 2020	Deed of Trust, Mortgage · FHA Mortgage FIRST HOME BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2012 · Amount on Record
Deed Sale	Mar 5, 2012 · Amount on Record
Prior Sale	Aug 31, 2004 · Amount on Record
Deed Document Number	20123191
Deed Book / Page	5274 / 33
Last Transfer Date	Feb 27, 2023
Transfer Doc	0000005089
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Recording Date	Apr 20, 2026
Property Address	1190 MAIN ST, RUBY, NY 12475-8004
Document Number	0000004672
Book / Page	13730 / 299
Instrument Date	Apr 13, 2026
Instrument	20264672
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1190 MAIN ST, RUBY, NY 12475-8004
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004672,
Date	Apr 20, 2026
Book Page	13730/299
Instrument	20264672

Lender

Name	MID-HUDSON VALLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Max Rate	-1%

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ULSTER NY
Recording Date	May 8, 2023
Property Address	1190 MAIN ST, RUBY, NY 12475-8004
Document Number	0000005089
Book / Page	7222 / 25
Instrument Date	Feb 27, 2023
Instrument	2023-5089
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1190 MAIN ST, RUBY, NY 12475-8004

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1190 MAIN ST, RUBY, NY 12475-8004
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017695
Date	Nov 25, 2020
Instrument	2020-17695

Lender

Name	FIRST HOME BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 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	$5,799.00 (+179.74%)	$120,000 (-) Land $35,200 Building $84,800	$292,683 (+21.95%) Land $85,854 Building $206,829
2023		$120,000 (-) Land $35,200 Building $84,800	$240,000 (+1%) Land $70,400 Building $169,600
2022		$120,000 Land $35,200 Building $84,800	$218,182 Land $64,000 Building $154,182
2021	$2,073.00

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 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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