65 Stephen Dr, Saugerties, NY 12477 Property Records

Ulster County and Saugerties Town property record for 65 Stephen Dr, Saugerties, NY 12477

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,720 sqft · built 2002
Lot Size	0.78 acres (33,977 sqft)
Owner	Individual Name on File
Last Sale	$499,900 (Jun 2022)
Tax Bill	$10,976 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`514889 28.4-5-18`

Property Details

APN / Parcel Number

Primary APN	`514889 28.4-5-18`
Alternative APN	`119162.118`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,720 sqft Living Area
1st Floor Area	1,720 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	33,977 sqft (0.78 acres)
Lot Dimensions	250 ft deep x 120 ft wide
Porch	Slab
Porch Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	119162.118
Street Address	65 STEPHEN DR
City	SAUGERTIES
State	NY
Zip	12477-4443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	23
Legal Subdivision	MAP OF STEPHENS PARK
Legal Block	5
Legal Lot Number	18.000
Jurisdiction	ULSTER NY
Township / Civil Division	SAUGERTIES
Census Block Group	1
Census Block	1019
Census Tract	954900

Owner

65 Stephen Dr is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	65 STEPHEN DR, SAUGERTIES, NY 12477-4443
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
Sep 29, 2023	Deed of Trust, Mortgage · Line of Credit SAWYER SAVINGS BANK
Jun 14, 2022	Executor's Deed, Transfer · Stand-Alone First Mortgage SAWYER SAVINGS BANK
Feb 26, 2021	Deed of Trust, Mortgage · Line of Credit MID HUDSON VALLEY FCU
Oct 19, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2022 · Amount on File
Deed Sale	Jun 14, 2022 · Amount on File
Prior Sale	Sep 8, 2016 · Amount on File
Deed Document Number	202210558
Deed Book / Page	7081 / 246
Prior Transfer Date	Aug 23, 2018
Prior Transfer Doc	0000014584
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	65 STEPHEN DR, SAUGERTIES, NY 12477-4443
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011185
Date	Sep 29, 2023
Book Page	13172/50
Instrument	2023-11185

Lender

Name	SAWYER SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate

June 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	ULSTER NY
Recording Date	Jun 14, 2022
Property Address	65 STEPHEN DR, SAUGERTIES, NY 12477-4443
Document Number	0000010558
Book / Page	7081 / 246
Instrument Date	Jun 9, 2022
Instrument	2022-10558
Transaction Type	Transfer
Record Updated	Jul 5, 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	2 MALDEN AVE, SAUGERTIES, NY 12477-1700

Mortgage

Document Number	0000010559
Date	Jun 14, 2022
Instrument	2022-10559

Lender

Name	SAWYER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	65 STEPHEN DR, SAUGERTIES, NY 12477-4443
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003959
Date	Feb 26, 2021
Book Page	12337/254
Instrument	2021-3959

Lender

Name	MID HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2046

Interest

Rate Type	Adjustable Rate

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ULSTER NY
Recording Date	Oct 19, 2018
Property Address	65 STEPHEN DR, SAUGERTIES, NY 12477-4443
Document Number	0000014584
Book / Page	006352 / 000278
Instrument Date	Aug 23, 2018
Instrument	14584
Transaction Type	Transfer
Record Updated	Nov 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 STEPHEN DR SAUGERTIES NY 124774443, SAUGERTIES, NY 12477-4443

Tax Assessment & Valuation

The 2025 property tax bill for 65 Stephen Dr was $10,976.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,976.00	$546,500 Land $72,000 Building $474,500	$546,500 Land $72,000 Building $474,500
2023		$464,500 (+19.1%) Land $69,500 Building $395,000	$464,500 (+19.1%) Land $69,500 Building $395,000
2022		$390,000 Land $69,500 Building $320,500	$390,000 Land $69,500 Building $320,500
2021	$2,768.00

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

Flood

FEMA maps place 65 Stephen Dr in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1980.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	15 (1980–2026)
Claims Outside the SFHA	6 of 15
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims Severe Storms And Flooding, Apr 2005 · 5 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 65 Stephen Dr 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GLASCO WATER DISTRICT serves 4,071 people · EPA ID NY5503367
Water Source	Purchased surface water from SAUGERTIES (VILLAGE) WATER DIS
Last State Inspection	Dec 2022
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Archtop Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Planet Networks.

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