Putnam County and Philipstown Town property record for 11 Locust Rdg, Cold Spring, NY 10516
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,300 sqft · built 1938 |
| Lot Size | 0.091 acres (4,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $465,000 (Nov 2006) |
| Tax Bill | $10,704 (2024) |
| Deeds & Mortgages | Mar 2024 Line of Credit Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372601 49.5-2-18 |
| Primary APN | 372601 49.5-2-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,300 sqft Living Area |
| Gross Area | 1,508 sqft |
| 1st Floor Area | 650 sqft |
| 2nd Floor Area | 650 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,000 sqft (0.091 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| View / Lot | Lake Front |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
| Porch Area | 208 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 019400 |
|---|---|
| Street Address | 11 LOCUST RDG |
| City | COLD SPRING |
| State | NY |
| Zip | 10516-1903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | LAND & RESIDENCE |
| Legal Block | 2 |
| Legal Lot Number | 18.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | PHILIPSTOWN |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 10700 |
Source: Putnam County and Philipstown Town records, as of April 29, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 11 LOCUST RDG, COLD SPRING, NY 10516-1903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 7, 2024 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jun 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Oct 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Nov 14, 2017 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI JP MORGAN CHASE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 3, 2006 · Amount on Record |
| Deed Sale | Nov 3, 2006 · Amount on Record |
| Deed Book / Page | 1758 / 244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 11 LOCUST RDG, COLD SPRING, NY 10516-1903 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 11 LOCUST RDG, COLD SPRING, NY 10516-1903 |
| Document Number | 0078580186 |
|---|---|
| Date | Mar 7, 2024 |
| Book Page | 7858/186 |
| Instrument | 1348-2024 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 20, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 11 LOCUST RDG, COLD SPRING, NY 10516-1903 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Title Company | MACGREGOR ABSTRACT CORPORATION, MACGREGOR ABSTRACT CORP |
| Name | Verified Name |
|---|---|
| Address | 11 LOCUST RDG, COLD SPRING, NY 10516-1903 |
| Document Number | 0073880130 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 7388/130 |
| Instrument | 7539-2021 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 11 LOCUST RDG, COLD SPRING, NY 10516-1903 |
| Document Number | 0067740062 |
| Instrument Date | Oct 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 11 LOCUST RDG COLD SPRING NY 105161903, COLD SPRING, NY 10516-1903 |
| Document Number | 0067740062 |
|---|---|
| Date | Nov 14, 2017 |
| Book Page | 006774/000062 |
| Instrument | 1603939 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 13, 2037 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Nov 14, 2017 |
| Property Address | 11 LOCUST RDG, COLD SPRING, NY 10516-1903 |
| Document Number | 0067740081 |
| Book / Page | 006774 / 000081 |
| Instrument Date | Oct 20, 2017 |
| Instrument | 1603940 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 11 LOCUST RDG COLD SPRING NY 105161903, COLD SPRING, NY 10516-1903 |
| Document Number | 67740081 |
|---|---|
| Date | Nov 14, 2017 |
| Book Page | 006774/000081 |
| Instrument | 1603940 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 13, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Philipstown Town |
| Municipality | Cold Spring Village |
| Unified School District | Haldane Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $168,700 (-) Land $37,500 Building $131,200 | $550,049 (+14.84%) | |
| 2024 | $10,704.00 | ||
| 2023 | $168,700 (-) Land $37,500 Building $131,200 | $478,989 (+11.73%) Land $106,474 Building $372,515 | |
| 2022 | $168,700 Land $37,500 Building $131,200 | $428,717 Land $95,299 Building $333,418 |
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.
Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · 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 | 6 in force |
| Nearby Flood Claims | 9 (2011–2024) |
| Claims Outside the SFHA | 6 of 9 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
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 | Indirect within 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 | COLD SPRING VILLAGE serves 2,666 people · EPA ID NY3903652 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory currently in violation since Oct 2024 |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 447 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fixed Wireless | 300 / 20 |
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