694 Upper Cherrytown Rd, Kerhonkson, NY 12446 Property Records

Ulster County and Rochester Town property record for 694 Upper Cherrytown Rd, Kerhonkson, NY 12446

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 816 sqft · built 1998
Lot Size	6.49 acres (282,704 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,900 (Aug 2019)
Tax Bill	$3,023 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`514400 59.12-1-18`

Property Details

APN / Parcel Number

Primary APN	`514400 59.12-1-18`
Alternative APN	`124370.000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Cottage
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	282,704 sqft (6.49 acres)
Porch	Slab
Porch Area	288 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	124370.000
Street Address	694 UPPER CHERRYTOWN RD
City	KERHONKSON
State	NY
Zip	12446-1331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	1
Legal Lot Number	18.000
Jurisdiction	ULSTER NY
Township / Civil Division	ROCHESTER
Census Block Group	2
Census Block	2022
Census Tract	955001

Owner

Source: Ulster County and Rochester Town records, as of June 3, 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	694 UPPER CHERRYTOWN RD, KERHONKSON, NY 12446-1331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Line of Credit HUDSON VALLEY FEDERAL CREDIT UNION
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 16, 2019	Deed, Transfer · Stand-Alone Refinance HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2019 · Amount on Record
Deed Sale	Aug 16, 2019 · Amount on Record
Prior Sale	Jan 18, 1997 · Amount on Record
Deed Document Number	201910521
Deed Book / Page	6473 / 190
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Recording Date	May 12, 2026
Property Address	694 UPPER CHERRYTOWN RD, KERHONKSON, NY 12446-1331
Document Number	0000005652
Book / Page	13745 / 296
Instrument Date	Apr 17, 2026
Instrument	20265652
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	694 UPPER CHERRYTOWN RD, KERHONKSON, NY 12446-1331

Mortgage

Document Number	0000005652,
Date	May 12, 2026
Book Page	13745/296
Instrument	20265652

Lender

Name	HUDSON VALLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	694 UPPER CHERRYTOWN RD, KERHONKSON, NY 12446-1331
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011674
Date	Oct 3, 2025
Book Page	13605/162
Instrument	2025-11674

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ULSTER NY
Recording Date	Aug 16, 2019
Property Address	694 UPPER CHERRYTOWN RD, KERHONKSON, NY 12446-1331
Document Number	0000010521
Book / Page	6473 / 190
Instrument Date	Jul 17, 2019
Instrument	2019-10521
Transaction Type	Transfer
Record Updated	May 10, 2022

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
Address	694 UPPER CHERRYTOWN RD, KERHONKSON, NY 12446-1331

Mortgage

Document Number	0000010522
Date	Aug 16, 2019
Book Page	11857/208
Instrument	2019-10522

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2034

Tax Assessment & Valuation

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	$3,023.00 (+294.65%)	$115,500 (-) Land $65,000 Building $50,500	$217,925 (+18.87%) Land $122,642 Building $95,283
2023		$115,500 (-) Land $65,000 Building $50,500	$183,333 (+14.29%) Land $103,174 Building $80,159
2022		$115,500 Land $65,000 Building $50,500	$160,417 Land $90,278 Building $70,139
2021	$766.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	5 in force

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	0.02% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

No cell data coverage reported

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