Delaware County and Roxbury Town property record for 432 Cartwright Rd, Denver, NY 12421 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1985 |
| Square Footage | 1,440 sqft Living Area |
| Lot Size | 216,929 sqft (4.98 acres) |
| Garage | Attached |
| Last Sale | $330,000 (2024) |
| Tax Bill | $5,340.00 (2025) |
| Primary APN | 124800 202.-1-1.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,440 sqft Living Area |
| 1st Floor | 1,440 sqft 1st Floor |
| Basement Area | 1,080 sqft Basement |
| Finished Basement | 1,080 sqft Finished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 216,929 sqft (4.98 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Shed | 1 Shed |
| Patio Area | 600 sqft Patio |
| Heating Fuel | Electric Heating Fuel |
|---|---|
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 08000181026 |
|---|---|
| Street Address | 432 CARTWRIGHT RD |
| City | DENVER |
| State | NY |
| Zip | 12421-1225 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GL19 DIV 2 L-16-15-6 FM 6412 AG DISTRICT 1 |
| Legal Block | 1 |
| Legal Lot Number | 1.100 |
| Jurisdiction | DELAWARE NY |
| Minor Civil Division | ROXBURY |
| Census Blockgroup | 2 |
| Census Block | 2067 |
| Census Tract | 971100 |
Source: Delaware County and Roxbury Town records · APN 124800 202.-1-1.1
Assessment roll updated April 21, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2065 E 72ND ST, BROOKLYN, NY 11234-6226 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 12, 2024 | Deed, Transfer · Stand Alone First Mortgage ULSTER SAVINGS BANK |
| Nov 23, 2020 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 12, 2024 · Amount on Record |
| Deed Sale | Feb 12, 2024 · Amount on Record |
| Prior Sale | Jun 25, 2010 · Amount on Record |
| Deed Doc Number | 20241132 |
| Deed Book / Page | 1776 / 97 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DELAWARE NY |
| Recording Date | Feb 12, 2024 |
| Property Address | 432 CARTWRIGHT RD, DENVER, NY 12421-1225 |
| Document Number | 0001776/97 |
| Book / Page | 1776 / 97 |
| Instrument Date | Jan 26, 2024 |
| Instrument | 1132 |
| Transaction Type | Transfer |
| Record Updated | Mar 05, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2065 E 72ND ST, BROOKLYN, NY 11234-6226 |
| Document Number | 0000001133 |
|---|---|
| Date | Feb 12, 2024 |
| Instrument | 1133 |
| Name | ULSTER SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.2% |
| Type Change Date | Feb 01, 2034 |
| Max Rate At Change | 2.5% |
| Index | 1-Year CMT |
| Document Type | Deed |
|---|---|
| Jurisdiction | DELAWARE NY |
| Recording Date | Nov 23, 2020 |
| Property Address | 432 CARTWRIGHT RD, DENVER, NY 12421-1225 |
| Document Number | 001647/226 |
| Book / Page | 1647 / 226 |
| Instrument Date | Nov 17, 2020 |
| Instrument | 7545 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 608 CARTWRIGHT RD, DENVER, NY 12421-1273 |
Source: Delaware County and Roxbury Town records · Assessment roll updated April 21, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Delaware County |
| County Subdivision | Roxbury Town |
| Unified School District | Roxbury Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,340.00 | $347,100 (+74.42%) Land $52,800 Building $294,300 | $350,606 (+19.82%) Land $53,333 Building $297,273 |
| 2023 | $199,000 (-) Land $38,800 Building $160,200 | $292,600 (+19.09%) Land $57,050 Building $235,550 | |
| 2022 | $199,000 Land $38,800 Building $160,200 | $245,700 Land $47,905 Building $197,795 | |
| 2020 | $4,348.00 |
432 Cartwright Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Delaware County (36025C), updated October 13, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 55th in New York |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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