20 Sidney St, Kerhonkson, NY 12446 Property Records

Ulster County and Rochester Town property record for 20 Sidney St, Kerhonkson, NY 12446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,752 sqft · built 2004
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$219,000 (Oct 2006)
Tax Bill	$5,601 (2025)
Deeds & Mortgages	Sep 2025 Refinance Nov 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`514400 84.7-1-42`

Property Details

APN / Parcel Number

Primary APN	`514400 84.7-1-42`
Alternative APN	`121335.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,752 sqft Living Area
1st Floor Area	1,752 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	20,038 sqft (0.46 acres)
Porch	Slab
Porch Area	124 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	121335.000
Street Address	20 SIDNEY ST
City	KERHONKSON
State	NY
Zip	12446-3525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	GRANITE ESTATES SECTION 1
Legal Block	1
Legal Lot Number	42.000
Jurisdiction	ULSTER NY
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1047
Census Tract	953000

Owner

20 Sidney St is owned and occupied by two individuals who bought it in October 2006.

Source: Ulster County and Rochester Town records, as of April 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 SIDNEY ST, KERHONKSON, NY 12446-3525
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance ULSTER SAVINGS BANK
Nov 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ULSTER SAVINGS BANK
Nov 12, 2019	Loan Modification, Mortgage · Conventional Mortgage ULSTER SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2006 · Amount on File
Deed Sale	Oct 26, 2006 · Amount on File
Prior Sale	Jul 29, 1999 · Amount on File
Deed Document Number	200626919
Deed Book / Page	4329 / 85
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	20 SIDNEY ST, KERHONKSON, NY 12446-3525
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011065
Date	Sep 22, 2025
Book Page	13596/245
Instrument	2025-11065

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2035

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	20 SIDNEY ST, KERHONKSON, NY 12446-3525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015629
Date	Nov 20, 2019
Book Page	11933/231
Instrument	2019-15629

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ULSTER NY
Property Address	20 SIDNEY ST, KERHONKSON, NY 12446-3525
Document Number	0000015630
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SIDNEY ST KERHONKSON NY 124463525, KERHONKSON, NY 12446-3525

Mortgage

Document Number	0000015630
Date	Nov 20, 2019
Book Page	006520/000218
Instrument	15630

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

Interest

Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 20 Sidney St was $5,601 with exemptions applied.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,601.00	$214,000 Land $31,000 Building $183,000	$403,774 Land $58,491 Building $345,283
2023		$214,000 (-) Land $31,000 Building $183,000	$339,683 (+14.29%) Land $49,206 Building $290,477
2022		$214,000 Land $31,000 Building $183,000	$297,222 Land $43,056 Building $254,166
2021	$1,419.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Sidney St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1979.

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	9 in force
Nearby Flood Claims	10 (1979–2011)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Coastal Storms & Flooding, Apr 1984 · 2 claims

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

Wildfire risk around 20 Sidney St is low, with a 0.03% annual chance of 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	STREAMSIDE ESTATES private · serves 67 people · EPA ID NY5521949
Water Source	Groundwater influenced by surface water
Last State Inspection	Jun 2025
Lead	13 ppb (2026) action level 15 ppb
Copper	1.88 mg/L (2026) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 50 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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