Ulster County and Wawarsing Town property record for 47 Spruce St, Kerhonkson, NY 12446
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,386 sqft · built 1946 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,972 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 137430.000 |
| Primary APN | 137430.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,386 sqft Living Area |
| 1st Floor Area | 1,386 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Bungalow |
| Exterior Material | Stucco |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 115 ft deep x 147 ft wide |
| Garage Type | Detached |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Well |
| Account Number | 137430.000 |
|---|---|
| Street Address | 47 SPRUCE ST |
| City | KERHONKSON |
| State | NY |
| Zip | 12446-3657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MU |
| Legal Block | 4 |
| Legal Lot Number | 21.100 |
| Jurisdiction | ULSTER NY |
| Township / Civil Division | WAWARSING |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 954500 |
Source: Ulster County and Wawarsing Town records, as of April 20, 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 | PO BOX 550, KERHONKSON, NY 12446-0550 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ULSTER NY |
| Property Address | 47 SPRUCE ST, KERHONKSON, NY 12446-3657 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000012156 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 0000011637/0000000228 |
| Instrument | 000000012156 |
| Name | QUICKEN LOAN INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 353 Months |
| Due | Jan 1, 2048 |
Source: Ulster County and Wawarsing Town assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Ulster County |
| County Subdivision | Wawarsing Town |
| Unified School District | Rondout Valley Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,972.00 (+82.26%) | $135,900 (-) Land $22,100 Building $113,800 | $226,500 (+18.33%) Land $36,833 Building $189,667 |
| 2023 | $135,900 (-) Land $22,100 Building $113,800 | $191,408 (+14.08%) Land $31,127 Building $160,281 | |
| 2022 | $135,900 Land $22,100 Building $113,800 | $167,778 Land $27,284 Building $140,494 | |
| 2021 | $2,728.00 |
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 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 Record 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 |
|
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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