43 Lower Granite Rd, Kerhonkson, NY 12446 Property Records

Ulster County and Rochester Town property record for 43 Lower Granite Rd, Kerhonkson, NY 12446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1970
Lot Size	2.4 acres (104,544 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Dec 2020)
Tax Bill	$3,847 (2025)
Deeds & Mortgages	Dec 2020 Sale & Refinance Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`514400 76.3-2-15`

Property Details

APN / Parcel Number

Primary APN	`514400 76.3-2-15`
Alternative APN	`100530.999`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	104,544 sqft (2.4 acres)
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	544 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	100530.999
Street Address	43 LOWER GRANITE RD
City	KERHONKSON
State	NY
Zip	12446-3206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	2
Legal Lot Number	15.000
Jurisdiction	ULSTER NY
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1031
Census Tract	955002

Owner

Source: Ulster County and Rochester 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	43 LOWER GRANITE RD, KERHONKSON, NY 12446-3206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed, Transfer · Stand-Alone Refinance M & T BANK
Sep 15, 2017	Grant Deed, Transfer FORTRESS NY TITLE AGENCY INC, FORTRESS NY TITLE AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Oct 22, 2009 · Amount on Record
Deed Document Number	202019449
Deed Book / Page	6730 / 350
Prior Transfer Date	Oct 31, 2005
Prior Transfer Doc	0000002783
Record Updated	Oct 29, 2026

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ULSTER NY
Recording Date	Dec 22, 2020
Property Address	43 LOWER GRANITE RD, KERHONKSON, NY 12446-3206
Document Number	0000019449
Book / Page	6730 / 350
Instrument Date	Dec 17, 2020
Instrument	2020-19449
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	67 ADIRONDACK DR, SELDEN, NY 11784-3236

Mortgage

Document Number	0000019450
Date	Dec 22, 2020
Book Page	12265/1
Instrument	2020-19450

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ULSTER NY
Recording Date	Sep 15, 2017
Property Address	43 LOWER GRANITE RD, KERHONKSON, NY 12446-3206
Document Number	0000013539
Book / Page	006210 / 000127
Instrument Date	Nov 10, 2016
Instrument	13539
Transaction Type	Transfer
Record Updated	Oct 9, 2017
Title Company	FORTRESS NY TITLE AGENCY INC, FORTRESS NY TITLE AGCY INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 BERNHART RD WALLKILL NY 125893600, WALLKILL, NY 12589-3600

Tax Assessment & Valuation

Source: Ulster County and Rochester Town assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	New York
County	Ulster County
County Subdivision	Rochester Town
Unified School District	Rondout Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,847.00 (+294.56%)	$147,000 (-) Land $52,000 Building $95,000	$277,358 (+18.87%) Land $98,113 Building $179,245
2023		$147,000 (-) Land $52,000 Building $95,000	$233,333 (+14.29%) Land $82,540 Building $150,793
2022		$147,000 Land $52,000 Building $95,000	$204,167 Land $72,222 Building $131,945
2021	$975.00

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	2 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Apr 2022 · 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

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	0.03% 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 31 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)

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