40 Elm St, Saugerties, NY 12477 Property Records

Ulster County and Saugerties Town property record for 40 Elm St, Saugerties, NY 12477

Property Summary

Details	4 bd · 2 ba · 2,558 sqft · built 1930
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$183,000 (Oct 2014)
Tax Bill	$6,460 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`514801 18.53-2-33`

Property Details

APN / Parcel Number

Primary APN	`514801 18.53-2-33`
Alternative APN	`190816.000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,558 sqft Living Area
1st Floor Area	1,496 sqft
2nd Floor Area	1,062 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	365 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	105 sqft
Patio Area	297 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	190816.000
Street Address	40 ELM ST
City	SAUGERTIES
State	NY
Zip	12477-1002
Property Category	Other
Property Type	Unknown
Local Zoning Code	05 - COMME
Legal Subdivision	A MAP OF PROPERTY OF ELIZABETH R DAWES
Legal Block	2
Legal Lot Number	33.000
Jurisdiction	ULSTER NY
Township / Civil Division	SAUGERTIES
Census Block Group	2
Census Block	2002
Census Tract	950200

Owner

Source: Ulster County and Saugerties Town records, as of April 29, 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	40 ELM ST, SAUGERTIES, NY 12477-1002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF GREENE COUNTY
Dec 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK OF GREENE COUNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2014 · Amount on Record
Deed Sale	Oct 2, 2014 · Amount on Record
Prior Sale	Nov 8, 2010 · Amount on Record
Deed Document Number	201412012
Deed Book / Page	5790 / 316
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Recording Date	Apr 6, 2026
Property Address	40 ELM ST, SAUGERTIES, NY 12477-1002
Document Number	0000004057
Book / Page	13721 / 118
Instrument Date	Mar 25, 2026
Instrument	20264057
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ELM ST, SAUGERTIES, NY 12477-1002
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004057,
Date	Apr 6, 2026
Book Page	13721/118
Instrument	20264057

Lender

Name	BANK OF GREENE COUNTY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	40 ELM ST, SAUGERTIES, NY 12477-1002
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014256
Date	Dec 2, 2025
Book Page	13643/97
Instrument	2025-14256

Lender

Name	BANK OF GREENE COUNTY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Dec 1, 2035
Index	1-Year CMT
Margin	3

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	$6,460.00 (+5.06%)	$365,500 (+17.71%) Land $79,000 Building $286,500	$365,500 (+17.71%) Land $79,000 Building $286,500
2023		$310,500 (+20.12%) Land $76,000 Building $234,500	$310,500 (+20.12%) Land $76,000 Building $234,500
2022		$258,500 Land $76,000 Building $182,500	$258,500 Land $76,000 Building $182,500
2021	$6,149.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SAUGERTIES (VILLAGE) WATER DIS serves 4,200 people · EPA ID NY5503386
Water Source	Surface water
Last State Inspection	Nov 2024
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	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 414 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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