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409 E Chester St, Kingston, NY 12401 Property Records

Ulster County and Kingston City property record for 409 E Chester St, Kingston, NY 12401

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,976 sqft · built 1965
Lot Size0.24 acres (10,454 sqft)
Owner2 Individual Names on File
Last Sale$169,900 (Aug 2017)
Tax Bill$9,991 (2025)
Deeds & MortgagesAug 2026 Mortgage
Aug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN045276.000

Property Details

APN / Parcel Number

Primary APN045276.000
Alternative APN
  • 510800 48.75-9-10.100

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,976 sqft Living Area
1st Floor Area988 sqft
Basement Area988 sqft
Finished Basement988 sqft
Unfinished Basement988 sqft

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1965
Architectural StyleRaised Ranch
Exterior MaterialAluminum/Vinyl
Lot Area10,454 sqft (0.24 acres)
PorchSlab
Porch Area180 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil
SewerSeptic
Water SourceCommercial

Location & Zoning

Account Number045276.000
Street Address409 E CHESTER ST
CityKINGSTON
StateNY
Zip12401-2731
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeT3N
Legal Block9
Legal Lot Number10.100
JurisdictionULSTER NY
Township / Civil DivisionKINGSTON
Census Block Group1
Census Block1008
Census Tract951800

Owner

409 E Chester St is owned and occupied by two individuals who bought it in August 2017.

Source: Ulster County and Kingston City records, as of October 19, 2026

Owner of Record2 Individual Names on File
Mailing Address409 E CHESTER ST, KINGSTON, NY 12401-2731
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Aug 6, 2026Deed of Trust, Mortgage
ULSTER FEDERAL CREDIT UNION
Aug 14, 2017Grant Deed, Transfer · FHA Mortgage
ULSTER SVGS BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 14, 2017 · Amount on File
Deed SaleAug 14, 2017 · Amount on File
Prior SaleFeb 9, 2016 · Amount on File
Deed Document Number201711623
Deed Book / Page6196 / 89
Prior Transfer DateJun 7, 2017
Prior Transfer Doc0000008809
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionULSTER NY
Recording DateAug 6, 2026
Property Address409 E CHESTER ST, KINGSTON, NY 12401-2731
Document Number0000009295
Book / Page13802 / 293
Instrument DateJul 29, 2026
Instrument20269295
Transaction TypeMortgage
Record UpdatedSep 9, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 E CHESTER ST, KINGSTON, NY 12401-2731

Mortgage

Document Number0000009295,
DateAug 6, 2026
Book Page13802/293
Instrument20269295
Lender
NameULSTER FEDERAL CREDIT UNION
Agreement
AmountAmount on Record
Term240 Months
DueSep 1, 2046
Interest
Max Rate-1%

August 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionULSTER NY
Recording DateAug 14, 2017
Property Address409 E CHESTER ST, KINGSTON, NY 12401-2731
Document Number0000011623
Book / Page006196 / 000089
Instrument DateAug 11, 2017
Instrument11623
Transaction TypeTransfer
Record UpdatedMar 31, 2020
Title CompanyJUDICIAL TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$680.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address305 HURLEY AVE #23D KINGSTON NY 124016814, 23D, KINGSTON, NY 12401-6814

Mortgage

Document Number11624
DateAug 14, 2017
Book Page011368/000034
Instrument11624
Lender
NameULSTER SVGS BK
TypeFederal Savings Bank
AddressKINGSTON, NY 12401
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueAug 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 409 E Chester St was $9,991.

Source: Ulster County and Kingston City assessment roll, as of April 20, 2026

Property Jurisdictions

TypeName
StateNew York
CountyUlster County
MunicipalityKingston City
Unified School DistrictKingston City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,991.00$187,000 Land $37,000 Building $150,000$397,872 Land $78,723 Building $319,149
2023$187,000 (+2.19%) Land $37,000 Building $150,000$306,557 (+17.26%) Land $60,656 Building $245,901
2022$183,000 Land $37,000 Building $146,000$261,429 Land $52,857 Building $208,572
2021$6,506.00

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

Flood

FEMA maps place 409 E Chester St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 5, 2017

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 409 E Chester St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemKINGSTON (CITY) WATER DISTRICT
serves 24,000 people · EPA ID NY5503374
Water SourceSurface water
Last State InspectionNov 2023
Lead7 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 301 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Archtop Fiber
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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