11 Smith St, Middletown, NY 10940 Property Records

Orange County and Middletown City property record for 11 Smith St, Middletown, NY 10940

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,345 sqft · built 1903
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,026 (2024)
Deeds & Mortgages	Jan 2023 Refinance Oct 2016 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`330900 16-9-43`

Property Details

APN / Parcel Number

Primary APN	`330900 16-9-43`
Alternative APNs	`090001600000090430000000` `1900000800` `16-9-43`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,345 sqft Living Area
Gross Area	2,587 sqft
1st Floor Area	1,066 sqft
2nd Floor Area	1,066 sqft
Upper Floors Area	213 sqft
Attic	Attic
Attic Area	213 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1916
Architectural Style	Old Style
Exterior Material	Wood
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	180 sqft
Pool Type	Above-Ground Pool
Porch	Covered Porch
Porch Area	578 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1900000800
Street Address	11 SMITH ST
City	MIDDLETOWN
State	NY
Zip	10940-3710
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-2
Legal Block	9
Legal Lot Number	43.00
Jurisdiction	ORANGE NY
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1016
Census Tract	1200

Owner

11 Smith St, a duplex, is owned and occupied by two individuals.

Source: Orange County and Middletown City 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	2 Individual Names on File
Mailing Address	11 SMITH ST, MIDDLETOWN, NY 10940-3710
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HERITAGE FINANCIAL CREDIT UNION
Oct 20, 2016	Deed of Trust, Mortgage · Line of Credit CITY/MIDDLETOWN OFFICE/ECONOMI

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	11 SMITH ST, MIDDLETOWN, NY 10940-3710
Transaction Type	Mortgage
Record Updated	Jan 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001582
Date	Jan 9, 2023
Book Page	15360/1223
Instrument	20230001582

Lender

Name	HERITAGE FINANCIAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	109 Months
Due	Feb 1, 2032

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	11 SMITH ST, MIDDLETOWN, NY 10940-3710
Document Number	0000016664
Book / Page	014195 / 001366
Instrument Date	Oct 20, 2016
Transaction Type	Mortgage
Record Updated	Mar 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 SMITH ST MIDDLETOWN NY 109403710, MIDDLETOWN, NY 10940-3710

Mortgage

Document Number	0000016664
Date	Mar 8, 2017
Book Page	014195/001366
Instrument	16664

Lender

Name	CITY/MIDDLETOWN OFFICE/ECONOMI
Address	16 JAMES ST, MIDDLETOWN, NY 10940-5724

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 7, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Orange County and Middletown City assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
Municipality	Middletown City
Unified School District	Middletown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$21,700 Land $4,900 Building $16,800	$246,900
2024	$6,026.00
2023		$21,700 (-) Land $4,900 Building $16,800	$217,000 (+16.98%) Land $49,000 Building $168,000
2022		$21,700 Land $4,900 Building $16,800	$185,500 Land $41,887 Building $143,613

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

Flood

FEMA maps place 11 Smith St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

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	2 (2007–2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee

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

The area around 11 Smith St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	MIDDLETOWN CITY serves 30,000 people · EPA ID NY3503534
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 ppb (2021–2023) 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 613 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Optimum, T-Mobile.

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