Orange County and Cornwall Town property record for 109 Willow Ave, Cornwall, NY 12518
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,778 sqft · built 1910 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $385,000 (Apr 2021) |
| Tax Bill | $9,729 (2024) |
| Deeds & Mortgages | Apr 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 332489 21-1-1 |
| Primary APN | 332489 21-1-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,778 sqft Living Area |
| Gross Area | 1,898 sqft |
| 1st Floor Area | 1,130 sqft |
| 2nd Floor Area | 648 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 144 ft deep x 58 ft wide |
| View / Lot | Suburban |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 440 sqft |
| Patio Area | 672 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 21-1-1 |
|---|---|
| Street Address | 109 WILLOW AVE |
| City | CORNWALL |
| State | NY |
| Zip | 12518-1437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Subdivision | LANDS JOSEPH W CUMMIN |
| Legal Block | 1 |
| Legal Lot Number | 1.000 |
| Jurisdiction | ORANGE NY |
| Township / Civil Division | CORNWALL |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 13000 |
Source: Orange County and Cornwall Town records, as of April 29, 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 | 109 WILLOW AVE, CORNWALL, NY 12518-1437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2021 · Amount on Record |
| Deed Sale | Apr 27, 2021 · Amount on Record |
| Prior Sale | Jul 18, 1995 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 109 WILLOW AVE, CORNWALL, NY 12518-1437 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000027349 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 14950/1865 |
| Instrument | 20210027349 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Orange County and Cornwall Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Orange County |
| County Subdivision | Cornwall Town |
| Unified School District | Cornwall Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $232,400 (-) Land $68,300 Building $164,100 | $367,600 (+6.67%) | |
| 2024 | $9,729.00 | ||
| 2023 | $232,400 Land $68,300 Building $164,100 | $344,600 Land $101,274 Building $243,326 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 377 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 |
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