32 Toc Dr, Highland, NY 12528 Property Records

Ulster County and Lloyd Town property record for 32 Toc Dr, Highland, NY 12528

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,470 sqft · built 1998
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$142,140 (Jul 1999)
Tax Bill	$10,394 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103434.100`

Property Details

APN / Parcel Number

Primary APN	`103434.100`
Alternative APN	`513200 88.17-11-4.510`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,470 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,070 sqft
Finished Basement	1,070 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	103434.100
Street Address	32 TOC DR
City	HIGHLAND
State	NY
Zip	12528-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Subdivision	ROSEANNE MAYBAUM SUBDIVISION
Legal Block	11
Legal Lot Number	4.510
Jurisdiction	ULSTER NY
Township / Civil Division	LLOYD
Census Block Group	3
Census Block	3000
Census Tract	953600

Owner

32 Toc Dr is owned and occupied by two individuals who bought it in July 1999.

Source: Ulster County and Lloyd Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	32 TOC DR, HIGHLAND, NY 12528-1506
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage HUDSON VALLEY FEDERAL CREDIT UNION
May 31, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON VALLEY FCU
Nov 9, 2018	Deed of Trust, Mortgage · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 1999 · Amount on File
Deed Sale	Jul 27, 1999 · Amount on File
Deed Document Number	19996
Deed Book / Page	2947 / 318
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Recording Date	Aug 31, 2026
Property Address	32 TOC DR, HIGHLAND, NY 12528-1506
Document Number	0000010311
Book / Page	13817 / 235
Instrument Date	Aug 14, 2026
Instrument	202610311
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 TOC DR, HIGHLAND, NY 12528-1506

Mortgage

Document Number	0000010311,
Date	Aug 31, 2026
Book Page	13817/235
Instrument	202610311

Lender

Name	HUDSON VALLEY FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	85 Months
Due	Sep 1, 2033

Interest

Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	32 TOC DR, HIGHLAND, NY 12528-1506
Transaction Type	Mortgage
Record Updated	Jun 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006007
Date	May 31, 2023
Book Page	13095/277
Instrument	2023-6007

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2033

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	32 TOC DR, HIGHLAND, NY 12528-1506
Document Number	0000002917
Instrument Date	Nov 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 1, 2019
Title Company	JT ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32 TOC DR HIGHLAND NY 125281506, HIGHLAND, NY 12528-1506

Mortgage

Document Number	0000002917
Date	Mar 5, 2019
Book Page	011756/000100
Instrument	2917

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 4, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 32 Toc Dr was $10,394 with a homeowner's exemption.

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	$10,394.00	$267,500 Land $73,700 Building $193,800	$451,401 Land $124,367 Building $327,034
2023		$267,500 Land $73,700 Building $193,800	$376,761 Land $103,803 Building $272,958

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 32 Toc Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 32 Toc 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	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.

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