25 Highland Lake Rd, Eldred, NY 12732 Property Records

Sullivan County and Highland Town property record for 25 Highland Lake Rd, Eldred, NY 12732

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 835 sqft · built 1990
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$202,000 (May 2019)
Tax Bill	$5,578 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`483400 6.-1-30.3`

Property Details

APN / Parcel Number

Primary APN	`483400 6.-1-30.3`
Alternative APNs	`3400006 0001030003` `09/2009`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	835 sqft Living Area
1st Floor Area	672 sqft
2nd Floor Area	163 sqft
Upper Floors Area	163 sqft
Basement Area	672 sqft
Finished Basement	672 sqft
Unfinished Basement	672 sqft
Game Room	Game Room

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	98,010 sqft (2.25 acres)
Lot Dimensions	20 ft deep x 100 ft wide
View / Lot	Waterfront
Porch	Patio
Porch Area	140 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	25 HIGHLAND LAKE RD
City	ELDRED
State	NY
Zip	12732-5203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HC
Legal Block	1
Legal Lot Number	30.003
Jurisdiction	SULLIVAN NY
Township / Civil Division	HIGHLAND
Census Block Group	2
Census Block	2031
Census Tract	952400

Owner

Source: Sullivan County and Highland Town records, as of April 29, 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	25 HIGHLAND LAKE RD, ELDRED, NY 12732-5203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 10, 2019	Grant Deed, Transfer · Conventional with PMI RONDOUT SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2019 · Amount on Record
Deed Sale	May 10, 2019 · Amount on Record
Prior Sale	May 22, 2008 · Amount on Record
Deed Document Number	20193061
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SULLIVAN NY
Property Address	25 HIGHLAND LAKE RD, ELDRED, NY 12732-5203
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000347
Date	Oct 1, 2025
Instrument	2025-7347

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SULLIVAN NY
Recording Date	May 10, 2019
Property Address	25 HIGHLAND LAKE RD, ELDRED, NY 12732-5203
Document Number	0000003061
Instrument Date	Apr 21, 2019
Instrument	3061
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	J AND H ABSTRACT LLC, J & H ABS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	181 MCGUINNESS BLVD #2L BROOKLYN NY 112222712, 2L, BROOKLYN, NY 11222-2712

Mortgage

Document Number	3062
Date	May 10, 2019
Instrument	3062

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2049

Tax Assessment & Valuation

Source: Sullivan County and Highland Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Sullivan County
County Subdivision	Highland Town
Unified School District	Eldred Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,578.00	$186,800 (-) Land $50,000 Building $136,800	$339,636 (+16.36%) Land $90,909 Building $248,727
2023		$186,800 Land $50,000 Building $136,800	$291,875 Land $78,125 Building $213,750

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 October 2, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (2006–2021)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Severe Storms And Flooding, Jun 2006 · 3 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

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	0.01% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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