46 Spruce St, Kerhonkson, NY 12446 Property Records

Ulster County and Wawarsing Town property record for 46 Spruce St, Kerhonkson, NY 12446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,122 sqft · built 1935
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Tax Bill	$4,548 (2025)
Deeds & Mortgages	Nov 2021 Sale
Flood Zone	Zone X (moderate risk)
APN	`515689 76.13-4-19`

Property Details

APN / Parcel Number

Primary APN	`515689 76.13-4-19`
Alternative APN	`130190.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	748 sqft
Upper Floors Area	374 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1985
Architectural Style	Bungalow
Exterior Material	Wood
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	50 ft deep x 130 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Well

Location & Zoning

Account Number	130190.000
Street Address	46 SPRUCE ST
City	KERHONKSON
State	NY
Zip	12446-3659
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU
Legal Block	4
Legal Lot Number	19.000
Jurisdiction	ULSTER NY
Township / Civil Division	WAWARSING
Census Block Group	1
Census Block	1008
Census Tract	954500

Owner

46 Spruce St, a single family home, is owned by an individual.

Source: Ulster County and Wawarsing Town records, as of April 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 14, KERHONKSON, NY 12446-0014
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

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ULSTER NY
Recording Date	Nov 30, 2021
Property Address	46 SPRUCE ST, KERHONKSON, NY 12446-3659
Document Number	0000022861
Book / Page	6958 / 201
Instrument Date	Jul 7, 2021
Instrument	2021-22861
Transaction Type	Transfer
Record Updated	Dec 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4535 BIMINI DR, BRADENTON, FL 34210-2008

Tax Assessment & Valuation

The 2025 property tax bill for 46 Spruce St was $4,548.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,548.00	$124,300 Land $17,200 Building $107,100	$207,167 Land $28,667 Building $178,500
2023		$124,300 (-) Land $17,200 Building $107,100	$175,070 (+14.08%) Land $24,225 Building $150,845
2022		$124,300 Land $17,200 Building $107,100	$153,457 Land $21,235 Building $132,222
2021	$2,495.00

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

Flood

FEMA maps place 46 Spruce St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	50 (1987–2011)
Claims Outside the SFHA	3 of 50
Most Recent Claim	Sep 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Sep 2011 · 27 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 3 claims Severe Storms And Flooding, Apr 2005 · 18 claims

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 46 Spruce 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	None 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 System	KERHONKSON WATER DISTRICT serves 600 people · EPA ID NY5503373
Water Source	Groundwater
Last State Inspection	May 2023
Lead	1 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20