97 Four Wheel Dr, Willow, NY 12495 Property Records

Ulster County and Woodstock Town property record for 97 Four Wheel Dr, Willow, NY 12495

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,931 sqft · built 1979
Lot Size	3.23 acres (140,699 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Oct 2021)
Tax Bill	$15,456 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`515800 14.4-1-7`

Property Details

APN / Parcel Number

Primary APN	`515800 14.4-1-7`
Alternative APN	`127387.000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,931 sqft Living Area
1st Floor Area	2,521 sqft
2nd Floor Area	410 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2009
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	140,699 sqft (3.23 acres)
Lot Width	693 ft Width
Garage Type	Carport
Garage Area	442 sqft
Carport	Carport
Carport Area	442 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	312 sqft
Porch	Slab
Porch Area	980 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	127387.000
Street Address	97 FOUR WHEEL DR
City	WILLOW
State	NY
Zip	12495-5011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Subdivision	GROG HILL
Legal Block	1
Legal Lot Number	7.000
Jurisdiction	ULSTER NY
Township / Civil Division	WOODSTOCK
Census Block Group	2
Census Block	2005
Census Tract	950600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	311 WASHINGTON AVE, HADDONFIELD, NJ 08033-3324
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 19, 2019	Deed of Trust, Mortgage · Balloon Mortgage MID HUDSON VALLEY FCU
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage JEFFREY C SMITH
Jan 16, 2019	Deed of Trust, Mortgage · Line of Credit MID-HUDSON VLY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2021 · Amount on Record
Deed Sale	Oct 7, 2021 · Amount on Record
Deed Document Number	202119537
Deed Book / Page	6926 / 169
Prior Transfer Date	Dec 18, 2013
Prior Transfer Doc	0000020379
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ULSTER NY
Recording Date	Oct 7, 2021
Property Address	97 FOUR WHEEL DR, WILLOW, NY 12495-5011
Document Number	0000019537
Book / Page	6926 / 169
Instrument Date	Sep 30, 2021
Instrument	2021-19537
Transaction Type	Transfer
Record Updated	Oct 26, 2021

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	311 WASHINGTON AVE, HADDONFIELD, NJ 08033-3324

Mortgage

Document Number	0000019538
Date	Oct 7, 2021
Instrument	2021-19538

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	97 FOUR WHEEL DR, WILLOW, NY 12495-5011
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017194
Date	Dec 19, 2019
Book Page	11957/96
Instrument	2019-17194

Lender

Name	MID HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	97 FOUR WHEEL DR, WILLOW, NY 12495-5011
Document Number	0000013486
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97 FOUR WHEEL DR WILLOW NY 124955011, WILLOW, NY 12495-5011

Mortgage

Document Number	0000013486
Date	Oct 11, 2019
Book Page	011900/000150
Instrument	13486

Lender

Name	JEFFREY C SMITH
Address	2 HOWARD DR, WILLOW, NY 12495

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 10, 2029

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	97 FOUR WHEEL DR, WILLOW, NY 12495-5011
Document Number	0000001357
Instrument Date	Jan 16, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 FOUR WHEEL DR WILLOW NY 124955011, WILLOW, NY 12495-5011

Mortgage

Document Number	0000001357
Date	Jan 29, 2019
Book Page	011735/000173
Instrument	1357

Lender

Name	MID-HUDSON VLY FCU
Type	Credit Union
Address	KINGSTON, NY 12401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 28, 2044

Interest

Rate Type	Adjustable Rate

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	$15,456.00 (+13.08%)	$595,000 (-) Land $82,000 Building $513,000	$1,265,957 (-1.06%) Land $174,468 Building $1,091,489
2023		$595,000 (-) Land $82,000 Building $513,000	$1,279,570 (+31.18%) Land $176,344 Building $1,103,226
2022		$595,000 Land $82,000 Building $513,000	$975,410 Land $134,426 Building $840,984
2021	$13,668.00

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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