112 Whitlock Rd, Otisville, NY 10963 Property Records

Orange County and Mount Hope Town property record for 112 Whitlock Rd, Otisville, NY 10963

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,509 sqft · built 1989
Lot Size	1.8 acres (78,408 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (May 2024)
Tax Bill	$12,671 (2024)
Deeds & Mortgages	Feb 2021 Refinance May 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`334489 5-1-121.1`

Property Details

APN / Parcel Number

Primary APN	`334489 5-1-121.1`
Alternative APNs	`448900500000011211000000` `5-1-121.1`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,509 sqft Living Area
Gross Area	3,301 sqft
1st Floor Area	1,476 sqft
Upper Floors Area	1,333 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	78,408 sqft (1.8 acres)
View / Lot	Rural
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	304 sqft
Patio Area	256 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	5-1-121.1
Street Address	112 WHITLOCK RD
City	OTISVILLE
State	NY
Zip	10963-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	1
Legal Lot Number	121.1
Jurisdiction	ORANGE NY
Township / Civil Division	MOUNT HOPE
Census Block Group	2
Census Block	2015
Census Tract	11500

Owner

112 Whitlock Rd is owned by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	929 MICA CT, VALLEY COTTAGE, NY 10989-2607
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK
May 13, 2024	Deed, Transfer · Stand-Alone First Mortgage HUDSON VALLEY FCU
Oct 21, 2020	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE INSURANCE CO
Jan 8, 2018	Intrafamily Transfer, Transfer JP MORGAN CHASE BANK
Jan 8, 2018	Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2024 · Amount on File
Deed Sale	May 13, 2024 · Amount on File
Prior Sale	Feb 5, 2021 · Amount on File
Deed Document Number	202428773
Deed Book / Page	15567 / 1175
Prior Transfer Date	Oct 7, 2020
Prior Transfer Doc	0000056364
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	112 WHITLOCK RD, OTISVILLE, NY 10963-3514
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007559
Date	Feb 5, 2021
Book Page	14894/1417
Instrument	20210007559

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	May 13, 2024
Property Address	112 WHITLOCK RD, OTISVILLE, NY 10963-3514
Document Number	0000028773
Book / Page	15567 / 1175
Instrument Date	May 7, 2024
Instrument	20240028773
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	929 MICA CT, VALLEY COTTAGE, NY 10989-2607

Mortgage

Document Number	0000028774
Date	May 13, 2024
Instrument	20240028774

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE NY
Recording Date	Oct 21, 2020
Property Address	112 WHITLOCK RD, OTISVILLE, NY 10963-3514
Document Number	0000056364
Book / Page	014827 / 001444
Instrument Date	Oct 7, 2020
Instrument	56364
Transaction Type	Transfer
Record Updated	Nov 16, 2020
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 WHITLOCK RD OTISVILLE NY 109633514, OTISVILLE, NY 10963-3514

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE NY
Recording Date	Jan 8, 2018
Property Address	112 WHITLOCK RD, OTISVILLE, NY 10963-3514
Document Number	0000001478
Book / Page	14343 / 1438
Instrument Date	Dec 11, 2017
Instrument	20180001478
Transaction Type	Transfer
Record Updated	Apr 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 WHITLOCK RD, OTISVILLE, NY 10963-3514

Mortgage

Document Number	0000001479
Date	Jan 8, 2018
Book Page	0000014343/0000001443
Instrument	20180001479

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2043

January 2018: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	ORANGE NY
Recording Date	Jan 8, 2018
Property Address	112 WHITLOCK RD, OTISVILLE, NY 10963-3514
Book / Page	014343 / 001461
Instrument Date	Dec 11, 2017
Instrument	1480
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 WHITLOCK RD OTISVILLE NY 109633514, OTISVILLE, NY 10963-3514

Mortgage

Document Number	0000001480
Date	Jan 8, 2018
Book Page	014343/001461
Instrument	1480

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	300 Months
Due	Jan 7, 2043

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Orange County
County Subdivision	Mount Hope Town
Unified School District	Minisink Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$223,500 (+2.52%) Land $28,800 Building $194,700	$677,273 (+14.95%)
2024	$12,671.00	$218,000 (-) Land $28,800 Building $189,200	$589,200 (+5.4%)
2023		$218,000 (-) Land $28,800 Building $189,200	$559,000 (+10.26%) Land $73,850 Building $485,150
2022		$218,000 Land $28,800 Building $189,200	$507,000 Land $66,980 Building $440,020

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.

Flood

FEMA maps place 112 Whitlock Rd in Zone X, an area of minimal flood risk, though there have been 4 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	4 (2011)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 4 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 112 Whitlock Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 98.2% of New York
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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