11 Oak St, Garnerville, NY 10923 Property Records

Rockland County and Haverstraw Town property record for 11 Oak St, Garnerville, NY 10923

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,584 sqft · built 1956
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Jan 2020)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`392289 26.09-4-43`

Property Details

APN / Parcel Number

Primary APN	`392289 26.09-4-43`
Alternative APNs	`228902600900040430000000` `0010790`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,584 sqft Living Area
1st Floor Area	960 sqft
2nd Floor Area	624 sqft
Basement Area	333 sqft
Finished Basement	333 sqft

Exterior

Year Built	Built 1956
Architectural Style	Cape Cod
Exterior Material	Composition/Composite
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Mixed
Garage Area	432 sqft
Carport	Carport
Carport Area	150 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0010790
Old Parcel Number	228902600900040430000000
Street Address	11 OAK ST
City	GARNERVILLE
State	NY
Zip	10923-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	915
Legal Description	52.-5-1
Legal Subdivision	RIVER VIEW ESTATES
Legal Block	4
Legal Lot Number	43.000
Jurisdiction	ROCKLAND NY
Township / Civil Division	HAVERSTRAW
Census Block Group	4
Census Block	4010
Census Tract	10501

Owner

11 Oak St is owned by an individual who bought it in January 2020.

Source: Rockland County and Haverstraw Town records, as of December 26, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	67 S PLANK RD, NEWBURGH, NY 12550-3005
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	Jan 31, 2020 · Amount on File
Deed Sale	Jan 31, 2020 · Amount on File
Deed Document Number	0020203901
Deed Book / Page	2020 / 3901
Record Updated	Jun 8, 2026

January 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	ROCKLAND NY
Recording Date	Jan 31, 2020
Property Address	11 OAK ST, GARNERVILLE, NY 10923-2012
Document Number	0000003901
Map Reference	BK 56 PG 61 MAP 2399
Instrument Date	Jan 15, 2020
Instrument	2020-00003901
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ASSURANCE ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7 SEMINARA CIR, GARNERVILLE, NY 10923-1737

Mortgage

Document Number	0000003902
Date	Jan 31, 2020
Instrument	2020-00003902

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Rockland County and Haverstraw Town assessment roll, as of May 31, 2024

Property Jurisdictions

Type	Name
State	New York
County	Rockland County
County Subdivision	Haverstraw Town
Unified School District	Haverstraw-Stony Point Central School District (North Rockland) (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2024	$239,900 (-) Land $90,800 Building $149,100	$411,775 (+5.2%) Land $155,853 Building $255,922
2023	$239,900 Land $90,800 Building $149,100	$391,418 Land $148,148 Building $243,270

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

Flood

FEMA maps place 11 Oak St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective August 19, 2025 · 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	6 (1979–2003)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Aug 2003 · rainfall accumulation

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 11 Oak St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	VEOLIA WATER NEW YORK private · serves 270,000 people · EPA ID NY4303673
Water Source	Surface water
Last State Inspection	Mar 2023
Lead	3 ppb (2026) 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20