686 Berme Rd, High Falls, NY 12440 Property Records

Ulster County and Rochester Town property record for 686 Berme Rd, High Falls, NY 12440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,216 sqft · built 1987
Lot Size	4.8 acres (209,088 sqft)
Owner	Individual Name on File
Last Sale	$671,100 (Dec 2022)
Tax Bill	$9,573 (2025)
Deeds & Mortgages	Mar 2023 Refinance Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`514400 77.2-3-8.110`

Property Details

APN / Parcel Number

Primary APN	`514400 77.2-3-8.110`
Alternative APN	`103790.110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,216 sqft Living Area
1st Floor Area	1,072 sqft
2nd Floor Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	209,088 sqft (4.8 acres)
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	408 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	103790.110
Street Address	686 BERME RD
City	HIGH FALLS
State	NY
Zip	12440-5526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	3
Legal Lot Number	8.110
Jurisdiction	ULSTER NY
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1000
Census Tract	953000

Owner

686 Berme Rd is owned and occupied by an individual who bought it in December 2022.

Source: Ulster County and Rochester Town records, as of April 22, 2026

Owner of Record	Individual Name on File
Mailing Address	686 BERME RD, HIGH FALLS, NY 12440-5526
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
Mar 29, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ULSTER SAVINGS BANK
Dec 5, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage ULSTER SAVINGS BANK
Dec 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage ULSTER SVGS BK
Dec 19, 2017	Loan Modification, Mortgage · Conventional Mortgage ULSTER SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2022 · Amount on File
Deed Sale	Dec 5, 2022 · Amount on File
Prior Sale	Jun 18, 2010 · Amount on File
Deed Document Number	202219567
Deed Book / Page	7163 / 267
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	686 BERME RD, HIGH FALLS, NY 12440-5526
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003378
Date	Mar 29, 2023
Book Page	13059/252
Instrument	2023-3378

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2038

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ULSTER NY
Recording Date	Dec 5, 2022
Property Address	686 BERME RD, HIGH FALLS, NY 12440-5526
Document Number	0000019567
Book / Page	7163 / 267
Instrument Date	Dec 1, 2022
Instrument	2022-19567
Transaction Type	Transfer
Record Updated	Dec 27, 2022
Title Company	MISC COMPANY

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	45 HANRATTY ST, KINGSTON, NY 12401-5541

Mortgage

Document Number	0000019568
Date	Dec 5, 2022
Instrument	2022-19568

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	686 BERME RD, HIGH FALLS, NY 12440-5526
Document Number	0000000139
Instrument Date	Dec 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 BERME RD HIGH FALLS NY 124405526, HIGH FALLS, NY 12440-5526

Mortgage

Document Number	0000000139
Date	Jan 4, 2018
Book Page	011474/000140
Instrument	139

Lender

Name	ULSTER SVGS BK
Type	Federal Savings Bank
Address	KINGSTON, NY 12401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2048

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ULSTER NY
Property Address	686 BERME RD, HIGH FALLS, NY 12440-5526
Document Number	0000000140
Instrument Date	Dec 19, 2017
Transaction Type	Mortgage
Record Updated	Feb 7, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 BERME RD HIGH FALLS NY 124405526, HIGH FALLS, NY 12440-5526

Mortgage

Document Number	0000000140
Date	Jan 4, 2018
Book Page	006252/000184
Instrument	140

Lender

Name	ULSTER SVGS BK
Type	Federal Savings Bank
Address	KINGSTON, NY 12401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 686 Berme Rd was $9,573.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,573.00	$363,800 Land $71,500 Building $292,300	$686,415 Land $134,906 Building $551,509
2023		$363,800 (-) Land $71,500 Building $292,300	$577,460 (+14.29%) Land $113,492 Building $463,968
2022		$363,800 Land $71,500 Building $292,300	$505,278 Land $99,306 Building $405,972
2021	$2,413.00

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

Flood

FEMA maps place 686 Berme Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1979.

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	10 (1979–2011)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Coastal Storms & Flooding, Apr 1984 · 2 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 686 Berme Rd is low, with a 0.02% 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	0.02% 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 16 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

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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