3 Toc Dr, Highland, NY 12528 Property Records

Ulster County and Lloyd Town property record for 3 Toc Dr, Highland, NY 12528

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,638 sqft · built 1984
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Jun 2024)
Tax Bill	$9,073 (2025)
Deeds & Mortgages	Sep 2023 Refinance Aug 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`513200 87.20-3-2`

Property Details

APN / Parcel Number

Primary APN	`513200 87.20-3-2`
Alternative APN	`101659.000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,638 sqft Living Area
1st Floor Area	1,134 sqft
Basement Area	504 sqft
Finished Basement	504 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Basement
Porch	Slab
Porch Area	45 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	101659.000
Street Address	3 TOC DR
City	HIGHLAND
State	NY
Zip	12528-1505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1/4
Legal Subdivision	HUDSON VIEW REALTY INC
Legal Block	3
Legal Lot Number	2.000
Jurisdiction	ULSTER NY
Township / Civil Division	LLOYD
Census Block Group	3
Census Block	3005
Census Tract	953600

Owner

Source: Ulster County and Lloyd Town records, as of April 22, 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	3 TOC DR, HIGHLAND, NY 12528-1505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON VALLEY FCU
Aug 11, 2021	Deed of Trust, Mortgage · Line of Credit HUDSON VALLEY FCU
Jun 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUDSON VLY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2024 · Amount on Record
Deed Sale	Jun 5, 2024 · Amount on Record
Deed Document Number	20245998
Deed Book / Page	7362 / 15
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	3 TOC DR, HIGHLAND, NY 12528-1505
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010435
Date	Sep 12, 2023
Book Page	13160/224
Instrument	2023-10435

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2033

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	3 TOC DR, HIGHLAND, NY 12528-1505
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015730
Date	Aug 11, 2021
Book Page	12533/142
Instrument	2021-15730

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	3 TOC DR, HIGHLAND, NY 12528-1505
Document Number	0000008929
Instrument Date	Jun 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 TOC DR HIGHLAND NY 125281505, HIGHLAND, NY 12528-1505

Mortgage

Document Number	0000008929
Date	Jul 9, 2020
Book Page	012104/000230
Instrument	8929

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 8, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Ulster County
County Subdivision	Lloyd Town
Unified School District	Highland Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,073.00	$233,500 (-) Land $74,500 Building $159,000	$394,026 (+19.81%) Land $125,717 Building $268,309
2023		$233,500 Land $74,500 Building $159,000	$328,873 Land $104,930 Building $223,943

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2007–2011)
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

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	HIGHLAND WATER DISTRICT serves 4,000 people · EPA ID NY5503368
Water Source	Surface water
Last State Inspection	May 2025
Lead	6 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: T-Mobile, Verizon.

Nearby Properties on Toc Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures