Dutchess County and Red Hook Town property record for 98 Spencer Dr, Red Hook, NY 12571
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,654 sqft · built 1971 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | Individual Name on File |
| Last Sale | $312,500 (Dec 2006) |
| Tax Bill | $7,726 (2025) |
| Deeds & Mortgages | Oct 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 134889-6373-01-294653-0000 |
| Primary APN | 134889-6373-01-294653-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,654 sqft Living Area |
| 1st Floor Area | 1,094 sqft |
| Basement Area | 560 sqft |
| Finished Basement | 560 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 38,333 sqft (0.88 acres) |
| Lot Dimensions | 151 ft deep x 253 ft wide |
| Garage Type | Basement |
| Porch | Open Porch |
| Porch Area | 384 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 15294653 |
|---|---|
| Street Address | 98 SPENCER DR |
| City | RED HOOK |
| State | NY |
| Zip | 12571-2378 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD3 |
| Legal Description | .884 AC (S) |
| Legal Subdivision | FENBAR LAND |
| Legal Block | 1 |
| Legal Lot Number | 294 |
| Jurisdiction | DUTCHESS NY |
| Township / Civil Division | RED HOOK |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 150005 |
98 Spencer Dr is owned and occupied by an individual who bought it in December 2006.
Source: Dutchess County and Red Hook Town records, as of April 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 98 SPENCER DR, RED HOOK, NY 12571-2378 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2006 · Amount on File |
| Deed Sale | Dec 6, 2006 · Amount on File |
| Deed Book / Page | 22006 / 9718 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUTCHESS NY |
| Property Address | 98 SPENCER DR, RED HOOK, NY 12571-2378 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 5932 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 5932 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
The 2025 property tax bill for 98 Spencer Dr was $7,726 with a veteran's exemption.
Source: Dutchess County and Red Hook Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Dutchess County |
| County Subdivision | Red Hook Town |
| Unified School District | Red Hook Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,726.00 | $435,900 Land $114,500 Building $321,400 | $435,900 Land $114,500 Building $321,400 |
| 2023 | $377,300 (+13%) Land $99,100 Building $278,200 | $377,300 (+10.74%) Land $99,100 Building $278,200 | |
| 2022 | $333,900 Land $89,300 Building $244,600 | $340,700 Land $91,119 Building $249,581 | |
| 2020 | $7,052.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Spencer Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
Source: FEMA National Flood Hazard Layer, effective July 26, 2021 · 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 | 2 in force |
| Nearby Flood Claims | 2 (2011) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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.
Wildfire risk around 98 Spencer Dr is low, with a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Archtop Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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