65 Kutger Rd, Roscoe, NY 12776 Property Records

Sullivan County and Fremont Town property record for 65 Kutger Rd, Roscoe, NY 12776

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 3.5 ba · 800 sqft · built 1970
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (Dec 2023)
Tax Bill	$7,723 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`483200 5.-1-40`

Property Details

APN / Parcel Number

Primary APN	`483200 5.-1-40`
Alternative APN	`3200005 0001040000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	5 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	800 sqft Total Area
1st Floor Area	600 sqft
Upper Floors Area	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Cape Cod
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	25,700 sqft (0.59 acres)
Lot Dimensions	243 ft deep x 75 ft wide
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	902 sqft
Shed	1 Shed
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	65 KUTGER RD
City	ROSCOE
State	NY
Zip	12776-6107
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	LC 2
Legal Description	LOT 10 & N. HALF LOT 11 LAKE MUSKODAY
Legal Block	1
Legal Lot Number	40.000
Jurisdiction	SULLIVAN NY
Township / Civil Division	FREMONT
Census Block Group	2
Census Block	2003
Census Tract	950300

Owner

Source: Sullivan County and Fremont Town records, as of April 29, 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	452 DIBENEDETTO RD, FLEISCHMANNS, NY 12430
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Deed, Transfer · ARM WALLKILL VALLEY FSLA
Jun 4, 2019	Grant Deed, Transfer · Conventional Mortgage RHINEBECK BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Prior Sale	Jun 4, 2019 · Amount on Record
Deed Document Number	20239856
Record Updated	Jun 8, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SULLIVAN NY
Recording Date	Dec 1, 2023
Property Address	65 KUTGER RD, ROSCOE, NY 12776
Document Number	0000000856
Instrument Date	Nov 30, 2023
Instrument	2023-9856
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Amount	Amount Recorded
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
Relationship	Tenants in Common
Address	452 DIBENEDETTO RD, FLEISCHMANNS, NY 12430

Mortgage

Document Number	0000000857
Date	Dec 1, 2023
Instrument	2023-9857

Lender

Name	WALLKILL VALLEY FSLA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.7%
Type Change Date	Dec 1, 2030
Index	1-Year CMT

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SULLIVAN NY
Recording Date	Jun 4, 2019
Property Address	65 KUTGER RD, ROSCOE, NY 12776
Document Number	0000003649
Instrument Date	May 9, 2019
Instrument	3649
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15 WILLYS CT ROCK TAVERN NY 125755562, ROCK TAVERN, NY 12575-5562

Mortgage

Document Number	3650
Date	Jun 4, 2019
Instrument	3650

Lender

Name	RHINEBECK BK
Type	Bank
Address	POUGHKEEPSIE, NY 12601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 3, 2034

Tax Assessment & Valuation

Source: Sullivan County and Fremont Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Sullivan County
County Subdivision	Fremont Town
Unified School District	Roscoe Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,723.00	$155,800 (-) Land $22,500 Building $133,300	$479,385 (+27.69%) Land $69,231 Building $410,154
2023		$155,800 (-) Land $22,500 Building $133,300	$375,422 (+20.48%) Land $54,217 Building $321,205
2022		$155,800 Land $22,500 Building $133,300	$311,600 Land $45,000 Building $266,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 2, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	3 (2017–2021)
Most Recent Claim	Sep 2021 · 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

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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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