45 Bridge St, Roxbury, NY 12474 Property Records

Delaware County and Roxbury Town property record for 45 Bridge St, Roxbury, NY 12474

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,608 sqft · built 1925
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$249,000 (Oct 2022)
Tax Bill	$4,699 (2026)
Deeds & Mortgages	Jun 2025 Refinance Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`124800 179.1-1-5`

Property Details

APN / Parcel Number

Primary APN	`124800 179.1-1-5`
Alternative APNs	`48001790010001005000` `08000459026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,608 sqft Living Area
1st Floor Area	624 sqft
2nd Floor Area	984 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	172 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	276 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	08000459026
Street Address	45 BRIDGE ST
City	ROXBURY
State	NY
Zip	12474-1501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HIST DIST
Legal Description	GL#41 MAP 6024
Legal Block	1
Legal Lot Number	5.000
Jurisdiction	DELAWARE NY
Township / Civil Division	ROXBURY
Census Block Group	3
Census Block	3047
Census Tract	971100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Roxbury Historic District listed 2003 · 244 contributing resources · NRIS 03000852

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

45 Bridge St is owned and occupied by an individual who bought it in October 2022.

Source: Delaware County and Roxbury Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	45 BRIDGE ST, ROXBURY, NY 12474-1501
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jun 13, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance RONDOUT SAVINGS BANK
Oct 27, 2022	Deed, Transfer · Stand-Alone First Mortgage RONDOUT SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2022 · Amount on File
Deed Sale	Oct 27, 2022 · Amount on File
Deed Document Number	20227922
Deed Book / Page	1729 / 255
Prior Transfer Date	Nov 15, 2010
Prior Transfer Doc	0000001306/000000003
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE NY
Property Address	45 BRIDGE ST, ROXBURY, NY 12474-1501
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002525/273
Date	Jun 13, 2025
Book Page	2525/273
Instrument	3645

Lender

Name	RONDOUT SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.2%
Type Change Date	Nov 1, 2032
Index	1-Year CMT

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DELAWARE NY
Recording Date	Oct 27, 2022
Property Address	45 BRIDGE ST, ROXBURY, NY 12474-1501
Document Number	001729/255
Book / Page	1729 / 255
Instrument Date	Oct 24, 2022
Instrument	7922
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Amount	Amount on Record
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
Address	828 TIMBERLAKE CT, KETTERING, OH 45429-3494

Mortgage

Document Number	0000007923
Date	Oct 27, 2022
Instrument	7923

Lender

Name	RONDOUT SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.2%
Type Change Date	Nov 1, 2032
Max Rate At Change	2.1%
Index	Other

Tax Assessment & Valuation

The 2026 property tax bill for 45 Bridge St was $4,699, up 5.6% from the year before.

Source: Delaware County and Roxbury Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Delaware County
County Subdivision	Roxbury Town
Unified School District	Roxbury Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,699.00 (+5.6%)
2025	$4,450.00	$270,600 Land $19,300 Building $251,300	$273,333 Land $19,495 Building $253,838
2023		$92,100 Land $15,000 Building $77,100	$135,400 Land $22,052 Building $113,348
2020	$1,476.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 45 Bridge St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	6 (1987–2019)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Apr 2019 · 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

Wildfire risk around 45 Bridge St is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MTC Cable Cable	1,000 / 50

May also be available: Mid-Hudson Cablevision.

Cell Coverage

5G (outdoors only) and 4G LTE

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