38 Valley St, Saugerties, NY 12477 Property Records

Ulster County and Saugerties Town property record for 38 Valley St, Saugerties, NY 12477

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,675 sqft · built 1900
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jan 2025)
Tax Bill	$5,417 (2025)
Deeds & Mortgages	Sep 2023 Transfer Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`188544.100`

Property Details

APN / Parcel Number

Primary APN	`188544.100`
Alternative APN	`514801 18.78-2-11.100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,675 sqft Living Area
1st Floor Area	933 sqft
2nd Floor Area	742 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	111 ft deep x 49.5 ft wide
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	188544.100
Street Address	38 VALLEY ST
City	SAUGERTIES
State	NY
Zip	12477-1828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Block	2
Legal Lot Number	11.100
Jurisdiction	ULSTER NY
Township / Civil Division	SAUGERTIES
Census Block Group	1
Census Block	1020
Census Tract	950200

Owner

Source: Ulster County and Saugerties 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	272 BLEECKER ST, 22, NEW YORK, NY 10014-4181
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 7, 2022	Deed of Trust, Mortgage · Line of Credit MID HUDSON VALLEY FCU
Jul 27, 2018	Deed of Trust, Mortgage ULSTER SAVINGS BANK
Jul 17, 2018	Loan Modification, Mortgage · Conventional with PMI ULSTER SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2025 · Amount on Record
Deed Sale	Jan 7, 2025 · Amount on Record
Prior Sale	Oct 5, 2004 · Amount on Record
Deed Document Number	2025189
Deed Book / Page	7442 / 308
Prior Transfer Date	Sep 29, 2023
Prior Transfer Doc	0000011175
Record Updated	Sep 20, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ULSTER NY
Recording Date	Sep 29, 2023
Property Address	38 VALLEY ST, SAUGERTIES, NY 12477-1828
Document Number	0000011175
Book / Page	7274 / 235
Instrument Date	Sep 29, 2023
Instrument	2023-11175
Transaction Type	Transfer
Record Updated	Oct 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 VALLEY ST, SAUGERTIES, NY 12477-1828

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	38 VALLEY ST, SAUGERTIES, NY 12477-1828
Transaction Type	Mortgage
Record Updated	Mar 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002372
Date	Feb 7, 2022
Book Page	12729/298
Instrument	2022-2372

Lender

Name	MID HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	38 VALLEY ST, SAUGERTIES, NY 12477-1828
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010234
Date	Jul 27, 2018
Book Page	0000011611/0000000076
Instrument	000000010234

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ULSTER NY
Property Address	38 VALLEY ST, SAUGERTIES, NY 12477-1828
Document Number	0000010235
Instrument Date	Jul 17, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 VALLEY ST SAUGERTIES NY 124771828, SAUGERTIES, NY 12477-1828

Mortgage

Document Number	0000010235
Date	Jul 27, 2018
Book Page	006323/000001
Instrument	10235

Lender

Name	ULSTER SVGS BK
Type	Federal Savings Bank
Address	KINGSTON, NY 12401

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2048

Interest

Rate	4.75%

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
Municipality	Saugerties Village
Unified School District	Saugerties Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,417.00 (+364.18%)	$306,500 (+46.3%) Land $78,500 Building $228,000	$306,500 (+46.3%) Land $78,500 Building $228,000
2023		$209,500 (+20.06%) Land $75,500 Building $134,000	$209,500 (+20.06%) Land $75,500 Building $134,000
2022		$174,500 Land $75,500 Building $99,000	$174,500 Land $75,500 Building $99,000
2021	$1,167.00

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, 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 Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	49 (1996–2022)
Claims Outside the SFHA	3 of 49
Most Recent Claim	Dec 2022 · river or lake flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 20 claims Hurricane Irene, Aug 2011 · 16 claims Severe Storms And Flooding, Apr 2005 · 6 claims

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	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 170 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

May also be available: Verizon.

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