78 Ostrander Rd, Willow, NY 12495 Property Records

Ulster County and Woodstock Town property record for 78 Ostrander Rd, Willow, NY 12495

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,723 sqft · built 1997
Lot Size	1.65 acres (71,874 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Sep 2017)
Tax Bill	$8,702 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Feb 2023 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`515800 15.3-1-20`

Property Details

APN / Parcel Number

Primary APN	`515800 15.3-1-20`
Alternative APN	`160435.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,723 sqft Living Area
1st Floor Area	1,204 sqft
Upper Floors Area	519 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	71,874 sqft (1.65 acres)
Lot Width	257 ft Width
Garage Type	Carport
Garage Area	120 sqft
Carport	Carport
Carport Area	120 sqft

Exterior Amenities

Pool Area	260 sqft
Porch	Slab
Porch Area	644 sqft
Patio Area	220 sqft
Shed	1 Shed
Shed Area	58 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	160435.000
Street Address	78 OSTRANDER RD
City	WILLOW
State	NY
Zip	12495
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	ULSTER NY
Township / Civil Division	WOODSTOCK
Census Block Group	2
Census Block	2000
Census Tract	950600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	78 OSTRANDER RD, WILLOW, NY 12495
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MID HUDSON VALLEY FCU
Feb 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Mar 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MID HUDSON VALLEY FCU
Sep 6, 2017	Deed of Trust, Mortgage HOMESTEAD LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2017 · Amount on Record
Deed Sale	Sep 8, 2017 · Amount on Record
Prior Sale	Sep 19, 2008 · Amount on Record
Deed Document Number	201713127
Deed Book / Page	6207 / 92
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	78 OSTRANDER RD, WILLOW, NY 12495
Transaction Type	Mortgage
Record Updated	May 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004608
Date	Apr 27, 2023
Book Page	13076/276
Instrument	2023-4608

Lender

Name	MID HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2043

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	78 OSTRANDER RD, WILLOW, NY 12495
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001847
Date	Feb 15, 2023
Book Page	13036/308
Instrument	2023-1847

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	78 OSTRANDER RD, WILLOW, NY 12495
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003153
Date	Mar 8, 2019
Book Page	11759/63
Instrument	2019-3153

Lender

Name	MID HUDSON VALLEY FCU
Type	Credit Union

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	78 OSTRANDER RD, WILLOW, NY 12495
Document Number	0000013128
Book / Page	011388 / 000275
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Sep 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	575 CHERRY VALLEY RD PRINCETON NJ 085407918, PRINCETON, NJ 08540-7918

Mortgage

Document Number	0000013128
Date	Sep 8, 2017
Book Page	011388/000275
Instrument	13128

Lender

Name	HOMESTEAD LNDG
Address	ALBANY, NY 12205

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,702.00 (+6.79%)	$335,000 (-) Land $62,200 Building $272,800	$712,766 (-1.06%) Land $132,340 Building $580,426
2023		$335,000 (-) Land $62,200 Building $272,800	$720,430 (+31.18%) Land $133,763 Building $586,667
2022		$335,000 Land $62,200 Building $272,800	$549,180 Land $101,967 Building $447,213
2021	$8,149.00

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

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
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	24 (1980–2023)
Claims Outside the SFHA	12 of 24
Most Recent Claim	Apr 2023 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Flooding, Jun 2006 · 3 claims Blizzard Of 96 (severe Snow Storm), Jan 1996 · 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

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

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

Cell Coverage

No cell data coverage reported

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