654 Dibenedetto Rd, Fleischmanns, NY 12430 Property Records

Delaware County and Middletown Town property record for 654 Dibenedetto Rd, Fleischmanns, NY 12430

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,505 sqft · built 1993
Lot Size	5.81 acres (253,084 sqft)
Owner	Individual Name on File
Last Sale	$789,000 (Feb 2022)
Tax Bill	$6,950 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`124689 287.-4-8`

Property Details

APN / Parcel Number

Primary APN	`124689 287.-4-8`
Alternative APNs	`46892870000004008000` `07866628401`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,505 sqft Living Area
1st Floor Area	1,169 sqft
Upper Floors Area	168 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Rustic
Exterior Material	Wood
Lot Area	253,084 sqft (5.81 acres)
Lot Width	370 ft Width
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	368 sqft
Shed	1 Shed
Cabin	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07866628401
Street Address	654 DIBENEDETTO RD
City	FLEISCHMANNS
State	NY
Zip	12430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	ARMSTRONG GL8 LOT 8 REDDER WM & CHRISTINE
Legal Block	4
Legal Lot Number	8.000
Jurisdiction	DELAWARE NY
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2004
Census Tract	971200

Owner

654 Dibenedetto Rd is owned by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 923, FLEISCHMANNS, NY 12430-0923
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
Feb 2, 2022	Deed, Transfer · Stand-Alone First Mortgage ULSTER SAVINGS BANK
Jan 16, 2018	Deed of Trust, Mortgage NBT BANK NA
Sep 20, 2019	Deed, Transfer · Stand-Alone First Mortgage NBT BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2022 · Amount on File
Deed Sale	Feb 2, 2022 · Amount on File
Prior Sale	Sep 20, 2019 · Amount on File
Deed Document Number	2022863
Deed Book / Page	1701 / 174
Record Updated	Oct 29, 2026

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DELAWARE NY
Recording Date	Feb 2, 2022
Property Address	654 DIBENEDETTO RD, FLEISCHMANNS, NY 12430
Document Number	001701/174
Book / Page	1701 / 174
Instrument Date	Jan 21, 2022
Instrument	863
Transaction Type	Transfer
Record Updated	Mar 1, 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	16 FAIRLAWN ST, HO HO KUS, NJ 07423-1125

Mortgage

Document Number	0000000864
Date	Feb 2, 2022
Instrument	864

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE NY
Property Address	654 DIBENEDETTO RD, FLEISCHMANNS, NY 12430
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002117/0000000227
Date	Jan 16, 2018
Book Page	0000002117/0000000227
Instrument	000000000361

Lender

Name	NBT BANK NA

Agreement

Amount	Amount on Record

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	DELAWARE NY
Recording Date	Sep 20, 2019
Property Address	654 DIBENEDETTO RD, FLEISCHMANNS, NY 12430
Document Number	001606/144
Book / Page	1606 / 144
Instrument Date	Sep 17, 2019
Instrument	7424
Transaction Type	Transfer
Record Updated	Apr 15, 2022
Title Company	CHICAGO TITLE

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	55 ATLANTIC AVE, EAST MORICHES, NY 11940-1329

Mortgage

Document Number	0002199/42
Date	Sep 20, 2019
Book Page	2199/42
Instrument	7425

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 654 Dibenedetto Rd was $6,950, up 1.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,950.00 (+1.15%)
2025	$6,871.00	$329,250 Land $48,900 Building $280,350	$558,051 Land $82,881 Building $475,170
2023		$329,250 (+5.78%) Land $48,900 Building $280,350	$474,400 (+30.33%) Land $70,458 Building $403,942
2022		$311,250 Land $48,900 Building $262,350	$364,000 Land $57,187 Building $306,813
2021	$2,586.00 (-44.51%)
2020	$4,660.00

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

Flood

FEMA maps place 654 Dibenedetto Rd in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1996.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	20 (1996–2017)
Claims Outside the SFHA	9 of 20
Most Recent Claim	Jul 2017 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 12 claims Severe Storms And Flooding, Apr 2005 · 4 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 654 Dibenedetto Rd 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 12 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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