28 Under Mountain Rd, Copake, NY 12516 Property Records

Columbia County and Ancram Town property record for 28 Under Mountain Rd, Copake, NY 12516

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 2000
Lot Size	5.5 acres (239,580 sqft)
Owner	2 Individual Names on Record
Last Sale	$795,000 (May 2023)
Tax Bill	$7,472 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Nov 2018 Loan Modification
APN	`102000 198.-1-9.200`

Property Details

APN / Parcel Number

Primary APN	`102000 198.-1-9.200`
Alternative APN	`200019800000010092000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	239,580 sqft (5.5 acres)
Porch	Slab
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	28 UNDER MOUNTAIN RD
City	COPAKE
State	NY
Zip	12516-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07 - MIXED
Legal Description	MICRO 99-180
Legal Block	1
Legal Lot Number	9.200
Jurisdiction	COLUMBIA NY
Township / Civil Division	ANCRAM
Census Block Group	1
Census Block	1003
Census Tract	1700

Owner

Source: Columbia County and Ancram Town records, as of April 17, 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	28 UNDER MOUNTAIN RD, COPAKE, NY 12516-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Deed, Transfer · Stand-Alone First Mortgage BALLSTON SPA NATIONAL BANK
Nov 1, 2018	Loan Modification, Mortgage · Conventional Mortgage FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2023 · Amount on Record
Deed Sale	May 16, 2023 · Amount on Record
Prior Sale	Aug 31, 2020 · Amount on Record
Deed Document Number	20234233
Deed Book / Page	980 / 1336
Prior Transfer Date	Jul 30, 2008
Prior Transfer Doc	0000000032
Record Updated	Jun 8, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	COLUMBIA NY
Recording Date	May 16, 2023
Property Address	28 UNDER MOUNTAIN RD, COPAKE, NY 12516-1708
Document Number	0000004233
Book / Page	980 / 1336
Instrument Date	Apr 14, 2023
Instrument	20230004233
Transaction Type	Transfer
Record Updated	Jun 6, 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	Lis Pendens 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	289 DEVOE ST APT 1, 1, BROOKLYN, NY 11211-3195

Mortgage

Document Number	0000004234
Date	May 16, 2023
Instrument	20230004234

Lender

Name	BALLSTON SPA NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.3%
Type Change Date	May 1, 2033
Max Rate At Change	2%
Index	1-Year CMT
Margin	2

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLUMBIA NY
Property Address	28 UNDER MOUNTAIN RD, COPAKE, NY 12516-1708
Document Number	0000011940
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Jan 7, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 UNDER MOUNTAIN RD COPAKE NY 125161708, COPAKE, NY 12516-1708

Mortgage

Document Number	0000011940
Date	Dec 27, 2018
Book Page	000878/001111
Instrument	11940

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Columbia County and Ancram Town assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Columbia County
County Subdivision	Ancram Town
Unified School District	Taconic Hills Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,472.00	$585,000 (-) Land $105,000 Building $480,000	$650,000 (+11.11%) Land $116,667 Building $533,333
2023		$585,000 (+124.14%) Land $105,000 Building $480,000	$585,000 (+65.86%) Land $105,000 Building $480,000
2022		$261,000 Land $84,000 Building $177,000	$352,703 Land $113,514 Building $239,189

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (1979–2011)
Claims Outside the SFHA	1 of 3
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 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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