3 Heppner Dr, Ruby, NY 12475 Property Records

Ulster County and Saugerties Town property record for 3 Heppner Dr, Ruby, NY 12475

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,463 sqft · built 1999
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (Aug 2015)
Tax Bill	$19,111 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`175555.200`

Property Details

APN / Parcel Number

Primary APN	`175555.200`
Alternative APN	`514889 28.3-8-34.200`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,463 sqft Living Area
1st Floor Area	2,463 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Garage Type	Mixed
Garage Area	1,246 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	344 sqft
Cabin	968 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	175555.200
Street Address	3 HEPPNER DR
City	RUBY
State	NY
Zip	12475
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	15
Legal Block	8
Legal Lot Number	34.200
Jurisdiction	ULSTER NY
Township / Civil Division	SAUGERTIES
Census Block Group	3
Census Block	3009
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	Individual Name on Record
Mailing Address	PO BOX 242, RUBY, NY 12475-0242
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Line of Credit HUDSON VALLEY FCU
Oct 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Oct 5, 2020	Deed of Trust, Mortgage · Line of Credit HUDSON VLY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2015 · Amount on Record
Deed Sale	Aug 19, 2015 · Amount on Record
Deed Document Number	201510598
Deed Book / Page	5911 / 10
Prior Transfer Date	Sep 23, 2002
Prior Transfer Doc	0000000387
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	3 HEPPNER DR, RUBY, NY 12475-8006
Transaction Type	Mortgage
Record Updated	Jul 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007467
Date	Jul 5, 2023
Book Page	13116/326
Instrument	2023-7467

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2043

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	3 HEPPNER DR, RUBY, NY 12475-8006
Transaction Type	Mortgage
Record Updated	Mar 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019877
Date	Oct 13, 2021
Book Page	12603/1
Instrument	2021-19877

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	217 Months
Due	Nov 1, 2039

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	3 HEPPNER DR, RUBY, NY 12475-8006
Document Number	0000014816
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HEPPNER LN SAUGERTIES NY 12477, SAUGERTIES, NY 12477

Mortgage

Document Number	0000014816
Date	Oct 14, 2020
Book Page	012191/000136
Instrument	14816

Lender

Name	HUDSON VLY CU
Type	Credit Union
Address	POUGHKEEPSIE, NY 12603

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 13, 2040

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	$19,111.00 (+274.95%)	$826,000 (+31.95%) Land $82,500 Building $743,500	$826,000 (+31.95%) Land $82,500 Building $743,500
2023		$626,000 (+20.04%) Land $79,500 Building $546,500	$626,000 (+20.04%) Land $79,500 Building $546,500
2022		$521,500 Land $79,500 Building $442,000	$521,500 Land $79,500 Building $442,000
2021	$5,097.00

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	3 in force
Nearby Flood Claims	4 (1980–2005)
Most Recent Claim	Apr 2005 · Severe Storms And Flooding

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	0.02% 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 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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