38 W Union St, Kingston, NY 12401 Property Records

Ulster County and Saugerties Town property record for 38 W Union St, Kingston, NY 12401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,472 sqft · built 1921
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$171,000 (Jun 2018)
Tax Bill	$6,158 (2025)
Deeds & Mortgages	May 2023 Refinance Feb 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`129620.000`

Property Details

APN / Parcel Number

Primary APN	`129620.000`
Alternative APNs	`488902904600030080000000` `514889 29.46-3-8.100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,472 sqft Living Area
1st Floor Area	968 sqft
2nd Floor Area	288 sqft
Upper Floors Area	216 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	129620.000
Street Address	38 W UNION ST
City	KINGSTON
State	NY
Zip	12401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	25
Legal Block	3
Legal Lot Number	8.100
Jurisdiction	ULSTER NY
Township / Civil Division	SAUGERTIES
Census Block Group	1
Census Block	1015
Census Tract	951700

Owner

38 W Union St is owned by two individuals who bought it in June 2018.

Source: Ulster County and Saugerties Town records, as of April 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 658, GLASCO, NY 12432-0658
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
May 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ULSTER SAVINGS BANK
Feb 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ULSTER SAVINGS BANK
Nov 6, 2017	Deed of Trust, Mortgage ULSTER SAVINGS BANK
Jun 28, 2018	Grant Deed, Transfer · Conventional Mortgage ULSTER SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2018 · Amount on File
Deed Sale	Jun 28, 2018 · Amount on File
Deed Document Number	20188806
Deed Book / Page	6313 / 14
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	38 W UNION ST, KINGSTON, NY 12401
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005341
Date	May 15, 2023
Book Page	13086/172
Instrument	2023-5341

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Jun 1, 2028

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	38 W UNION ST, KINGSTON, NY 12401
Transaction Type	Mortgage
Record Updated	Mar 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002945
Date	Feb 16, 2022
Book Page	12739/134
Instrument	2022-2945

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2047

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	38 W UNION ST, KINGSTON, NY 12401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016253
Date	Nov 6, 2017
Book Page	0000011431/0000000291
Instrument	000000016253

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	170 Months
Due	Jan 1, 2032

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ULSTER NY
Recording Date	Jun 28, 2018
Property Address	38 W UNION ST, KINGSTON, NY 12401
Document Number	0000008806
Book / Page	006313 / 000014
Instrument Date	Jun 26, 2018
Instrument	8806
Transaction Type	Transfer
Record Updated	Jul 23, 2018
Title Company	FREER ABSTRACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$684.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 658 GLASCO NY 124320658, GLASCO, NY 12432-0658

Mortgage

Document Number	8807
Date	Jun 28, 2018
Book Page	011591/000287
Instrument	8807

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2048

Mortgage

Document Number	8808,
Date	Jun 28, 2018
Book Page	011591/000303
Instrument	8808

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 38 W Union St was $6,158.

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	$6,158.00	$305,500 Land $68,500 Building $237,000	$305,500 Land $68,500 Building $237,000
2023		$259,500 (+17.16%) Land $66,000 Building $193,500	$259,500 (+17.16%) Land $66,000 Building $193,500
2022		$221,500 Land $66,000 Building $155,500	$221,500 Land $66,000 Building $155,500
2021	$2,191.00

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

Flood

FEMA maps place 38 W Union St in Zone X, an area of minimal flood risk, though there have been 10 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	10 (1980–2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 38 W Union St 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
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 183 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 · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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