4 Spruce Ln, Monticello, NY 12701 Property Records

Sullivan County and Thompson Town property record for 4 Spruce Ln, Monticello, NY 12701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,569 sqft · built 1965
Lot Size	0.394 acres (17,189 sqft)
Owner	Individual Name on File
Last Sale	$93,000 (Apr 2020)
Tax Bill	$5,347 (2025)
Deeds & Mortgages	Mar 2021 Transfer Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`484689 62.-3-3`

Property Details

APN / Parcel Number

Primary APN	`484689 62.-3-3`
Alternative APN	`4689062 0003003000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,569 sqft Living Area
1st Floor Area	1,569 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Lot Area	17,189 sqft (0.394 acres)
Lot Dimensions	134 ft deep x 127 ft wide
Porch	Patio
Porch Area	96 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Well

Location & Zoning

Street Address	4 SPRUCE LN
City	MONTICELLO
State	NY
Zip	12701-4326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	3
Legal Lot Number	3.000
Jurisdiction	SULLIVAN NY
Township / Civil Division	THOMPSON
Census Block Group	1
Census Block	1000
Census Tract	951600

Owner

4 Spruce Ln is owned and occupied by an individual who acquired it in March 2021.

Source: Sullivan County and Thompson Town records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	4 SPRUCE LN, MONTICELLO, NY 12701-4326
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
Mar 19, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage ULSTER SVGS BK
Apr 9, 2020	Warranty Deed, Transfer ULSTER SVGS BK
Sep 20, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2020 · Amount on File
Deed Sale	Apr 9, 2020 · Amount on File
Prior Sale	Sep 20, 2019 · Amount on File
Deed Document Number	20202496
Last Transfer Date	Mar 16, 2021
Transfer Doc	0000000811
Record Updated	Oct 29, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SULLIVAN NY
Recording Date	Mar 19, 2021
Property Address	4 SPRUCE LN, MONTICELLO, NY 12701-4326
Document Number	0000000811
Instrument Date	Mar 16, 2021
Instrument	2021-2811
Transaction Type	Transfer
Record Updated	Sep 21, 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	25 KAREN JOY DR, MIDDLETOWN, NY 10940-7086

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SULLIVAN NY
Property Address	4 SPRUCE LN, MONTICELLO, NY 12701-4326
Document Number	0000003448
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1115 BRUYNSWICK RD GARDINER NY 125255143, GARDINER, NY 12525-5143

Mortgage

Document Number	0000003448
Date	May 28, 2020
Instrument	3448

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SULLIVAN NY
Recording Date	Apr 9, 2020
Property Address	4 SPRUCE LN, MONTICELLO, NY 12701-4326
Document Number	0000002496
Instrument Date	Apr 3, 2020
Instrument	2496
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	OMEGA TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$372.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1115 BRUYNSWICK RD GARDINER NY 125255143, GARDINER, NY 12525-5143

Mortgage

Document Number	2497
Date	Apr 9, 2020
Instrument	2497

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

Mortgage

Document Number	2499,
Date	Apr 9, 2020
Instrument	2499

Lender

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

Agreement

Amount	Amount on Record

September 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SULLIVAN NY
Recording Date	Sep 20, 2019
Property Address	4 SPRUCE LN, MONTICELLO, NY 12701-4326
Document Number	0000006642
Instrument Date	Sep 19, 2019
Instrument	6642
Transaction Type	Foreclosure
Record Updated	Nov 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$320.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 4 Spruce Ln was $5,347.

Source: Sullivan County and Thompson Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Sullivan County
County Subdivision	Thompson Town
Unified School District	Monticello Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,347.00	$87,100 (-) Land $17,400 Building $69,700	$214,532 (+10.84%) Land $42,857 Building $171,675
2024		$87,100 (-) Land $17,400 Building $69,700	$193,556 (+11.11%) Land $38,667 Building $154,889
2023		$87,100 (-) Land $17,400 Building $69,700	$174,200 (+24%) Land $34,800 Building $139,400
2022		$87,100 Land $17,400 Building $69,700	$140,484 Land $28,065 Building $112,419

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

Flood

FEMA maps place 4 Spruce Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective October 2, 2025 · 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	2 in force
Nearby Flood Claims	3 (1981–2001)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 2001 · rainfall accumulation

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 4 Spruce Ln is low, with a 0.02% 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	0.02% 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Spruce Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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