Ulster County and Saugerties Town property record for 3 Stephen Dr, Saugerties, NY 12477
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,100 sqft · built 1900 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $382,000 (Jun 2024) |
| Tax Bill | $8,950 (2025) |
| Deeds & Mortgages | Aug 2019 Refinance Jul 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 113981.100 |
| Primary APN | 113981.100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,100 sqft Living Area |
| 1st Floor Area | 1,175 sqft |
| 2nd Floor Area | 925 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Lot Area | 16,988 sqft (0.39 acres) |
| Garage Type | Detached |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 119 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 113981.100 |
|---|---|
| Street Address | 3 STEPHEN DR |
| City | SAUGERTIES |
| State | NY |
| Zip | 12477-4443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 23 |
| Legal Block | 5 |
| Legal Lot Number | 13.100 |
| Jurisdiction | ULSTER NY |
| Township / Civil Division | SAUGERTIES |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 954900 |
3 Stephen Dr is owned and occupied by two individuals who bought it in June 2024.
Source: Ulster County and Saugerties Town records, as of April 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 STEPHEN DR, SAUGERTIES, NY 12477-4443 |
| 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.
| Date | Document |
|---|---|
| Aug 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance MID HUDSON VALLEY FCU |
| Jul 10, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MID-HUDSON VLY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2024 · Amount on File |
| Deed Sale | Jun 3, 2024 · Amount on File |
| Prior Sale | Dec 4, 1995 · Amount on File |
| Deed Document Number | 20245826 |
| Deed Book / Page | 7360 / 70 |
| Prior Transfer Date | May 24, 2024 |
| Prior Transfer Doc | 0000005826 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ULSTER NY |
| Property Address | 3 STEPHEN DR, SAUGERTIES, NY 12477-4443 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000010949 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 11863/245 |
| Instrument | 2019-10949 |
| Name | MID HUDSON VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2044 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ULSTER NY |
| Recording Date | Jul 10, 2019 |
| Property Address | 3 STEPHEN DR, SAUGERTIES, NY 12477-4443 |
| Document Number | 0000008598 |
| Book / Page | 006455 / 000268 |
| Instrument Date | Jul 9, 2019 |
| Instrument | 8598 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 STEPHEN DR SAUGERTIES NY 124774443, SAUGERTIES, NY 12477-4443 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ULSTER NY |
| Property Address | 3 STEPHEN DR, SAUGERTIES, NY 12477-4443 |
| Document Number | 0000009692 |
| Instrument Date | Jun 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2017 |
| Name | Verified Name |
|---|---|
| Address | 3 STEPHEN DR SAUGERTIES NY 124774443, SAUGERTIES, NY 12477-4443 |
| Document Number | 0000009692 |
|---|---|
| Date | Jul 6, 2017 |
| Instrument | 9692 |
| Name | MID-HUDSON VLY FCU |
|---|---|
| Type | Credit Union |
| Address | KINGSTON, NY 12401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jul 5, 2022 |
| Rate | 2.24% |
|---|
The 2025 property tax bill for 3 Stephen Dr was $8,950.
Source: Ulster County and Saugerties Town assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Ulster County |
| County Subdivision | Saugerties Town |
| Unified School District | Saugerties Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,950.00 | $444,000 Land $63,000 Building $381,000 | $444,000 Land $63,000 Building $381,000 |
| 2023 | $377,500 (+17.05%) Land $60,500 Building $317,000 | $377,500 (+17.05%) Land $60,500 Building $317,000 | |
| 2022 | $322,500 Land $60,500 Building $262,000 | $322,500 Land $60,500 Building $262,000 | |
| 2021 | $4,007.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Stephen Dr in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1980.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 15 (1980–2026) |
| Claims Outside the SFHA | 6 of 15 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
| Claims by Event |
|
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 risk around 3 Stephen Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GLASCO WATER DISTRICT serves 4,071 people · EPA ID NY5503367 |
|---|---|
| Water Source | Purchased surface water from SAUGERTIES (VILLAGE) WATER DIS |
| Last State Inspection | Dec 2022 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Planet Networks Fiber | 10,000 / 10,000 |
| Archtop Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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