95 Ostrander Rd, Willow, NY 12495 Property Records

Ulster County and Woodstock Town property record for 95 Ostrander Rd, Willow, NY 12495

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,370 sqft · built 1968
Lot Size	9.08 acres (395,525 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Sep 2003)
Tax Bill	$15,391 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`515800 15.3-1-13`

Property Details

APN / Parcel Number

Primary APN	`515800 15.3-1-13`
Alternative APN	`164535.000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,370 sqft Living Area
1st Floor Area	2,138 sqft
2nd Floor Area	1,232 sqft
Basement Area	720 sqft
Finished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	395,525 sqft (9.08 acres)
Lot Width	425 ft Width
Garage Type	Mixed
Garage Area	1,300 sqft
Parking Spaces	6 Parking Spaces
Porch	Enclosed Porch
Porch Area	408 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	164535.000
Street Address	95 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	13.000
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 October 7, 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	PO BOX 492, WILLOW, NY 12495-0492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit HUDSON VALLEY FEDERAL CREDIT UNION
Apr 7, 2021	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC
Feb 5, 2021	Deed of Trust, Mortgage · Line of Credit MID HUDSON VALLEY FCU
Aug 11, 2017	Grant Deed, Transfer GLASCO ABSTRACT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2003 · Amount on Record
Deed Sale	Sep 29, 2003 · Amount on Record
Deed Book / Page	3732 / 271
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Recording Date	Sep 16, 2026
Property Address	95 OSTRANDER RD, WILLOW, NY 12495
Document Number	0000011019
Book / Page	13829 / 128
Instrument Date	Aug 28, 2026
Instrument	202611019
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011019,
Date	Sep 16, 2026
Book Page	13829/128
Instrument	202611019

Lender

Name	HUDSON VALLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	95 OSTRANDER RD, WILLOW, NY 12495
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006801
Date	Apr 7, 2021
Book Page	12386/102
Instrument	2021-6801

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	95 OSTRANDER RD, WILLOW, NY 12495
Transaction Type	Mortgage
Record Updated	Feb 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002409
Date	Feb 5, 2021
Book Page	12312/109
Instrument	2021-2409

Lender

Name	MID HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2046

Interest

Rate Type	Adjustable Rate

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ULSTER NY
Recording Date	Aug 11, 2017
Property Address	95 OSTRANDER RD, WILLOW, NY 12495
Document Number	0000011552
Book / Page	006195 / 000256
Instrument Date	Aug 10, 2017
Instrument	11552
Transaction Type	Transfer
Record Updated	Sep 1, 2017
Title Company	GLASCO ABSTRACT

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	95 OSTRANDER RD #492 WILLOW NY 12495, 492, WILLOW, NY 12495

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	$15,391.00 (+9.56%)	$592,500 (-) Land $135,800 Building $456,700	$1,260,638 (-1.06%) Land $288,936 Building $971,702
2023		$592,500 (-) Land $135,800 Building $456,700	$1,274,194 (+31.18%) Land $292,043 Building $982,151
2022		$592,500 Land $135,800 Building $456,700	$971,311 Land $222,623 Building $748,688
2021	$14,048.00

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

4G LTE (outdoors only), no 5G reported

Nearby Properties on Ostrander Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures