Ulster County and Gardiner Town property record for 856 N Mountain Rd, Gardiner, NY 12525
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,300 sqft · built 1976 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $357,725 (Apr 2020) |
| Tax Bill | $8,516 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 512400 93.1-2-35 |
| Primary APN | 512400 93.1-2-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,300 sqft Living Area |
| 1st Floor Area | 1,300 sqft |
| 2nd Floor Area | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Lot Area | 65,340 sqft (1.5 acres) |
| Lot Width | 190 ft Width |
| Porch | Slab |
| Porch Area | 375 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 113095.000 |
|---|---|
| Street Address | 856 N MOUNTAIN RD |
| City | GARDINER |
| State | NY |
| Zip | 12525-5007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Block | 2 |
| Legal Lot Number | 35.000 |
| Jurisdiction | ULSTER NY |
| Township / Civil Division | GARDINER |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 954200 |
Source: Ulster County and Gardiner 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 121 DIKEMAN ST, 1, BROOKLYN, NY 11231-1286 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Apr 14, 2020 | Grant Deed, Transfer · Conventional with PMI NAVY FCU |
| Feb 24, 2017 | Deed of Trust, Mortgage · FHA Mortgage FINANCIAL EQUITIES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2020 · Amount on Record |
| Deed Sale | Apr 14, 2020 · Amount on Record |
| Prior Sale | Mar 2, 2017 · Amount on Record |
| Deed Document Number | 20204988 |
| Deed Book / Page | 6587 / 39 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ULSTER NY |
| Property Address | 856 N MOUNTAIN RD, GARDINER, NY 12525-5007 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000010778 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 13165/291 |
| Instrument | 2023-10778 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 469 Months |
| Due | Oct 1, 2062 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ULSTER NY |
| Recording Date | Apr 14, 2020 |
| Property Address | 856 N MOUNTAIN RD, GARDINER, NY 12525-5007 |
| Document Number | 0000004988 |
| Book / Page | 006587 / 000039 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 4988 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,431.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 121 DIKEMAN ST #1 BROOKLYN NY 112311286, 1, BROOKLYN, NY 11231-1286 |
| Document Number | 4989 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 012039/000273 |
| Instrument | 4989 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ULSTER NY |
| Property Address | 856 N MOUNTAIN RD, GARDINER, NY 12525-5007 |
| Document Number | 0000003290 |
| Book / Page | 011255 / 000218 |
| Instrument Date | Feb 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2017 |
| Name | Verified Name |
|---|---|
| Address | 2188 BRUYNSWICK RD WALLKILL NY 125893256, WALLKILL, NY 12589-3256 |
| Document Number | 0000003290 |
|---|---|
| Date | Mar 2, 2017 |
| Book Page | 011255/000218 |
| Instrument | 3290 |
| Name | FINANCIAL EQUITIES |
|---|---|
| Type | Funding / Finance Company |
| Address | WESTBURY, NY 11590 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2047 |
Source: Ulster County and Gardiner Town assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Ulster County |
| County Subdivision | Gardiner Town |
| Unified School District | Wallkill Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,516.00 (+388.58%) | $252,000 (-) Land $75,800 Building $176,200 | $438,261 (+16.52%) Land $131,826 Building $306,435 |
| 2023 | $252,000 (-) Land $75,800 Building $176,200 | $376,119 (+7.46%) Land $113,134 Building $262,985 | |
| 2022 | $252,000 Land $75,800 Building $176,200 | $350,000 Land $105,278 Building $244,722 | |
| 2021 | $1,743.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 11 (2005–2022) |
| Claims Outside the SFHA | 9 of 11 |
| Most Recent Claim | Apr 2022 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 99.1% of New York |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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