Ulster County and Rochester Town property record for 188 Cedar Dr, Kerhonkson, NY 12446
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,080 sqft · built 2006 |
| Lot Size | 1.8 acres (78,408 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $660,000 (May 2025) |
| Tax Bill | $7,703 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Apr 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 514400 68.1-2-61 |
| Primary APN | 514400 68.1-2-61 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,080 sqft Living Area |
| 1st Floor Area | 2,100 sqft |
| Basement Area | 980 sqft |
| Finished Basement | 980 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 78,408 sqft (1.8 acres) |
| Garage Type | Attached |
| Garage Area | 1,120 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 520 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 124230.000 |
|---|---|
| Street Address | 188 CEDAR DR |
| City | KERHONKSON |
| State | NY |
| Zip | 12446-1907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 2 |
| Legal Lot Number | 61.000 |
| Jurisdiction | ULSTER NY |
| Township / Civil Division | ROCHESTER |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 955001 |
188 Cedar Dr is owned by two individuals who bought it in May 2025.
Source: Ulster County and Rochester Town records, as of April 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39 E 16TH ST, BROOKLYN, NY 11226-2611 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK |
| Apr 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance RONDOUT SAVINGS BANK |
| Jan 22, 2018 | Grant Deed, Transfer · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2025 · Amount on File |
| Deed Sale | May 16, 2025 · Amount on File |
| Prior Sale | Jan 22, 2018 · Amount on File |
| Deed Book / Page | 7492 / 34 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ULSTER NY |
| Property Address | 188 CEDAR DR, KERHONKSON, NY 12446-1907 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000000050 |
|---|---|
| Date | Jan 5, 2026 |
| Book Page | 13664/299 |
| Instrument | 2026-50 |
| Name | MORGAN STANLEY PRIVATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ULSTER NY |
| Property Address | 188 CEDAR DR, KERHONKSON, NY 12446-1907 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000005103 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 12041/258 |
| Instrument | 2020-5103 |
| Name | RONDOUT SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ULSTER NY |
| Recording Date | Jan 22, 2018 |
| Property Address | 188 CEDAR DR, KERHONKSON, NY 12446-1907 |
| Document Number | 0000001108 |
| Book / Page | 006258 / 000165 |
| Instrument Date | Jan 19, 2018 |
| Instrument | 1108 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,096.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 759 E 10TH ST #2A BROOKLYN NY 112302335, 2A, BROOKLYN, NY 11230-2335 |
| Document Number | 1109 |
|---|---|
| Date | Jan 22, 2018 |
| Book Page | 011487/000324 |
| Instrument | 1109 |
| Name | WELLS FARGO BK |
|---|---|
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 21, 2048 |
The 2025 property tax bill for 188 Cedar Dr was $7,703.
Source: Ulster County and Rochester Town assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Ulster County |
| County Subdivision | Rochester Town |
| Unified School District | Rondout Valley Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,703.00 | $294,300 Land $50,000 Building $244,300 | $555,283 Land $94,340 Building $460,943 |
| 2023 | $294,300 (-) Land $50,000 Building $244,300 | $467,143 (+14.29%) Land $79,365 Building $387,778 | |
| 2022 | $294,300 Land $50,000 Building $244,300 | $408,750 Land $69,444 Building $339,306 | |
| 2021 | $1,952.00 |
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.
FEMA maps place 188 Cedar Dr in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 risk around 188 Cedar Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 98.6% of New York |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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