198 Phillips Rd, Saugerties, NY 12477 Property Records

Ulster County and Saugerties Town property record for 198 Phillips Rd, Saugerties, NY 12477

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 2,507 sqft · built 1880
Lot Size	29.3 acres (1,276,308 sqft)
Owner	2 Individual Names on Record
Tax Bill	$15,517 (2025)
Deeds & Mortgages	May 2026 Line of Credit Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`514889 28.1-7-1.210`

Property Details

APN / Parcel Number

Primary APN	`514889 28.1-7-1.210`
Alternative APN	`138980.200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,507 sqft Living Area
1st Floor Area	1,592 sqft
Upper Floors Area	915 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	1,276,308 sqft (29.3 acres)
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	138980.200
Street Address	198 PHILLIPS RD
City	SAUGERTIES
State	NY
Zip	12477-3282
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	15
Legal Block	7
Legal Lot Number	1.210
Jurisdiction	ULSTER NY
Township / Civil Division	SAUGERTIES
Census Block Group	4
Census Block	4006
Census Tract	950400

Owner

Source: Ulster County and Saugerties 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	198 PHILLIPS RD, SAUGERTIES, NY 12477-3282
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Line of Credit RONDOUT SAVINGS BANK
Sep 14, 2017	Deed of Trust, Mortgage · Line of Credit RONDOUT SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 16, 2000
Transfer Doc	0000000191
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Recording Date	May 12, 2026
Property Address	198 PHILLIPS RD, SAUGERTIES, NY 12477-3282
Document Number	0000005672
Book / Page	13746 / 83
Instrument Date	Apr 30, 2026
Instrument	20265672
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 PHILLIPS RD, SAUGERTIES, NY 12477-3282

Mortgage

Document Number	0000005672,
Date	May 12, 2026
Book Page	13746/83
Instrument	20265672

Lender

Name	RONDOUT SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Max Rate	-1%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	198 PHILLIPS RD, SAUGERTIES, NY 12477-3282
Document Number	0000014023
Book / Page	011400 / 000135
Instrument Date	Sep 14, 2017
Transaction Type	Mortgage
Record Updated	Oct 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 123 SAUGERTIES NY 124770123, SAUGERTIES, NY 12477-0123

Mortgage

Document Number	0000014023
Date	Sep 26, 2017
Book Page	011400/000135
Instrument	14023

Lender

Name	RONDOUT SVGS BK
Type	Federal Savings Bank
Address	KINGSTON, NY 12401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 25, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Ulster County and Saugerties Town assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	New York
County	Ulster County
County Subdivision	Saugerties Town
Unified School District	Saugerties Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,517.00 (+197.6%)	$782,000 (+17.59%) Land $174,000 Building $608,000	$782,000 (+17.59%) Land $174,000 Building $608,000
2023		$665,000 (+20.04%) Land $168,500 Building $496,500	$665,000 (+20.04%) Land $168,500 Building $496,500
2022		$554,000 Land $168,500 Building $385,500	$554,000 Land $168,500 Building $385,500
2021	$5,214.00

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	8 in force
Nearby Flood Claims	4 (1983–2011)
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 62% of the US · above 99.1% of New York
Wildfire Likelihood	0.05% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Archtop Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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