10 Oak St, Cornwall, NY 12518 Property Records

Orange County and Cornwall Town property record for 10 Oak St, Cornwall, NY 12518

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,674 sqft · built 2015
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Jul 2015)
Tax Bill	$17,687 (2024)
Deeds & Mortgages	Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`332489 20-7-7`

Property Details

APN / Parcel Number

Primary APN	`332489 20-7-7`
Alternative APNs	`248902000000070070000000` `20-7-7`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,674 sqft Living Area
Gross Area	3,339 sqft
1st Floor Area	1,177 sqft
2nd Floor Area	1,497 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	203 ft deep x 137 ft wide
View / Lot	Suburban
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	289 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	20-7-7
Street Address	10 OAK ST
City	CORNWALL
State	NY
Zip	12518-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	7
Legal Lot Number	7.000
Jurisdiction	ORANGE NY
Township / Civil Division	CORNWALL
Census Block Group	4
Census Block	4006
Census Tract	13000

Owner

10 Oak St is owned and occupied by two individuals who bought it in July 2015.

Source: Orange County and Cornwall Town records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 OAK ST, CORNWALL, NY 12518-1420
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2015 · Amount on File
Deed Sale	Jul 23, 2015 · Amount on File
Deed Book / Page	13922 / 1869
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	10 OAK ST, CORNWALL, NY 12518-1420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BAY NATIONAL TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056023
Date	Oct 21, 2020
Book Page	14826/1692
Instrument	20200056023

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Orange County and Cornwall Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
County Subdivision	Cornwall Town
Unified School District	Cornwall Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$449,700 Land $90,700 Building $359,000	$711,300
2024	$17,687.00
2023		$449,700 (-) Land $90,700 Building $359,000	$666,700 (+11.86%) Land $134,467 Building $532,233
2022		$449,700 Land $90,700 Building $359,000	$596,000 Land $120,207 Building $475,793

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 Oak St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective September 26, 2023 · 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	1 in force
Nearby Flood Claims	6 (2011–2023)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Jul 2023 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2023 · 2 claims Remnants Of Hurricane Ida, Sep 2021 · 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

Wildfire risk around 10 Oak St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CORNWALL-ON-HUDSON serves 9,700 people · EPA ID NY3503526
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 322 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20