Delaware County and Andes Town property record for 445 Ruff Rd, Andes, NY 13731
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,428 sqft · built 1983 |
| Lot Size | 25.1 acres (1,093,356 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,286 (2025) |
| Deeds & Mortgages | Feb 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 122000 258.-1-12.2 |
| Primary APN | 122000 258.-1-12.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,428 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Upper Floors Area | 336 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Lot Area | 1,093,356 sqft (25.1 acres) |
| Garage Type | Basement |
| Porch | Slab |
|---|---|
| Porch Area | 708 sqft |
| Shed | 1 Shed |
| Pole Barn | Pole Barn |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 05260018404 |
|---|---|
| Street Address | 445 RUFF RD |
| City | ANDES |
| State | NY |
| Zip | 13731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 1 |
| Legal Lot Number | 12.200 |
| Jurisdiction | DELAWARE NY |
| Township / Civil Division | ANDES |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 970700 |
Source: Delaware County and Andes Town assessment roll, as of April 21, 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 File |
|---|---|
| Mailing Address | 55 E BEDELL ST, FREEPORT, NY 11520-5722 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jan 24, 2018 |
| Transfer Doc | 001547/193 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DELAWARE NY |
| Recording Date | Feb 5, 2018 |
| Property Address | 445 RUFF RD, ANDES, NY 13731 |
| Document Number | 001547/193 |
| Book / Page | 1547 / 193 |
| Instrument Date | Jan 24, 2018 |
| Instrument | 000000001634 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 500 RUSSELL ST, NORTH BALDWIN, NY 11510-1647 |
Source: Delaware County and Andes Town assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Delaware County |
| County Subdivision | Andes Town |
| Unified School District | Andes Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,286.00 (-19.3%) | $381,100 (-) Land $105,400 Building $275,700 | $544,429 (+18.23%) Land $150,572 Building $393,857 |
| 2023 | $381,100 (-) Land $105,400 Building $275,700 | $460,500 (+20.83%) Land $127,359 Building $333,141 | |
| 2022 | $381,100 Land $105,400 Building $275,700 | $381,100 Land $105,400 Building $275,700 | |
| 2021 | $7,789.00 (+0.37%) | ||
| 2020 | $7,760.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 13, 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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 8 (2004–2024) |
| Claims Outside the SFHA | 7 of 8 |
| Most Recent Claim | Aug 2024 · Severe Storm And Flooding |
| Claims by Event |
|
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.
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 at the parcel |
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Margaretville Telephone Company Fiber | 1,000 / 1,000 |
No cell data coverage reported
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