Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$397,003$182 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $260,000 on Mar 5, 2012

1190 MAIN ST

RUBY, NY 12475
3
Beds
1
Baths
2,184 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.76 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$397K
$356K low$438K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$260,000 · Mar 5, 2012
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$222,003
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$177,602
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.41%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$175,000
MID-HUDSON VALLEY FEDERAL CREDIT UNION · 6.11% 1 · recorded Apr 20, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,521 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$120,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$35,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$84,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$120,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$255,319

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.22 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyUlster
Lot (acres)The size of the land the home sits on, from county records.1.76
HeatingThe type of heating system in the home.Forced Air
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 573 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
E R Crosby Elementary SchoolB
Elementary · Grades KG–4 · 2.6 mi
M
M Clifford Miller Middle SchoolC
Middle · Grades 5–8 · 2.7 mi
H
Kingston High SchoolC
High · Grades 9–12 · 6.4 mi

District: Kingston City School District

Neighborhood · ZIP 12475These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.13
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.56

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.230
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.290 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$110,924
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109,971
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1190 Main St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 94% of homes in Ulster County
  • Bigger than 83% of homes in Ruby 12475
  • Older than 76% of homes in Ulster County

What homes are worth in Ruby 12475

Each bar is how many homes fall in that price range. The marker is this home.

This home
$174K$839K

This home is worth more than 62% of homes in Ruby 12475.

How it measures up in Ruby 12475

The dot is this home. The mark in the middle is the typical home in Ruby 12475.

Estimated value$397,003
CheaperTypical $358,599Pricier

Pricier than 62% of homes nearby

Price per ft²$182
CheaperTypical $234Pricier

Pricier than 15% of homes nearby

Living area2,184 ft²
SmallerTypical 1,600 ft²Bigger

Bigger than 83% of homes nearby

Lot size1.76 ac
SmallerTypical 1.2 acBigger

Bigger than 63% of homes nearby

Year built1930
OlderTypical 1960Newer

Newer than 30% of homes nearby

How 1190 Main St ranks against every home in each area.
MeasureThis homeRuby 12475Ulster County
Estimated valuepricier than$397,00362% of homes39% of homes
Price per ft²pricier than$18215% of homes6% of homes
Living areabigger than2,184 ft²83% of homes77% of homes
Lot sizebigger than1.76 ac63% of homes64% of homes
Year builtnewer than193030% of homes24% of homes

About 1190 Main St

How much is 1190 Main St, Ruby, NY worth?

The TopHap Estimate for 1190 Main St, Ruby, NY is $397,003 as of Jul 14, 2026. The likely range is $355,818 to $438,188. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1190 Main St, Ruby, NY last sell?

1190 Main St, Ruby, NY last sold on Mar 5, 2012 for $260,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 1190 Main St, Ruby, NY?

1190 Main St, Ruby, NY has 3 bedrooms, 1 bathrooms, 2,184 square feet of living space and a 1.76-acre lot.

When was 1190 Main St, Ruby, NY built?

1190 Main St, Ruby, NY was built in 1930, making it 96 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 1190 Main St, Ruby, NY?

1190 Main St, Ruby, NY is assigned to E R Crosby Elementary School (elementary), rated B; M Clifford Miller Middle School (middle), rated C; Kingston High School (high), rated C. All sit in Kingston City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1190 Main St, Ruby, NY compare to other homes in Ruby 12475?

Among the 130 homes in Ruby 12475, it is worth more than 62% of them ($397,003 against a typical $358,599), its price per square foot is higher than 15% of them ($182 against a typical $234), it is bigger than 83% of them (2,184 ft² against a typical 1,600 ft²), its lot is bigger than 63% of them (1.76 ac against a typical 1.2 ac) and it is newer than 30% of them (1930 against a typical 1960). Measured against all of Ulster County, it is worth more than 39% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1190 Main St, Ruby, NY?

The 2024 property tax bill for 1190 Main St, Ruby, NY was $5,521. The county assessed it at $120,000.

Closest homes

More homes in Ruby 12475

Assigned schools

Explore the area

See this home in context

Open 1190 Main St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map