1233 Main St, Ruby, NY 12475 Property Records

Ulster County and Ulster Town property record for 1233 Main St, Ruby, NY 12475

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,300 sqft · built 1910
Lot Size	0.745 acres (32,490 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Jul 2021)
Tax Bill	$6,272 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`515400 39.1-4-4`

Property Details

APN / Parcel Number

Primary APN	`515400 39.1-4-4`
Alternative APN	`105780.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,300 sqft Living Area
1st Floor Area	780 sqft
2nd Floor Area	520 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	32,490 sqft (0.745 acres)
Lot Dimensions	190 ft deep x 171 ft wide
Garage Type	Detached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	379 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	105780.000
Street Address	1233 MAIN ST
City	RUBY
State	NY
Zip	12475-8028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	31
Legal Block	4
Legal Lot Number	4.000
Jurisdiction	ULSTER NY
Township / Civil Division	ULSTER
Census Block Group	2
Census Block	2013
Census Tract	951500

Owner

Source: Ulster County and Ulster Town records, as of September 21, 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	1233 MAIN ST, RUBY, NY 12475-8028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage RUPCO
Jul 26, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ULSTER SAVINGS BANK
Jul 26, 2021	Deed, Transfer · Stand-Alone First Mortgage ULSTER SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Prior Sale	Sep 3, 2003 · Amount on Record
Deed Document Number	202114653
Deed Book / Page	6879 / 134
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1233 MAIN ST, RUBY, NY 12475-8028
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014659
Date	Jul 26, 2021
Book Page	12516/173
Instrument	2021-14659

Lender

Name	RUPCO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1233 MAIN ST, RUBY, NY 12475-8028
Transaction Type	Mortgage
Record Updated	Mar 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014658
Date	Jul 26, 2021
Book Page	12516/165
Instrument	2021-14658

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ULSTER NY
Recording Date	Jul 26, 2021
Property Address	1233 MAIN ST, RUBY, NY 12475-8028
Document Number	0000014653
Book / Page	6879 / 134
Instrument Date	Jul 12, 2021
Instrument	2021-14653
Transaction Type	Transfer
Record Updated	Mar 13, 2023

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	5 DUBLIN LN, POUGHKEEPSIE, NY 12603-2013

Mortgage

Document Number	0000014654
Date	Jul 26, 2021
Instrument	2021-14654

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000014656
Date	Jul 26, 2021
Book Page	12516/152
Instrument	2021-14656

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$6,272.00 (+230.98%)	$109,700 (-) Land $29,900 Building $79,800	$267,561 (+21.95%) Land $72,927 Building $194,634
2023		$109,700 (-) Land $29,900 Building $79,800	$219,400 (+1%) Land $59,800 Building $159,600
2022		$109,700 Land $29,900 Building $79,800	$199,455 Land $54,364 Building $145,091
2021	$1,895.00

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 67% of the US · above 97.9% 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 36 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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