Rockland County and Haverstraw Town property record for 12 Frederick St, Garnerville, NY 10923
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,980 sqft · built 1970 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $393,000 (Apr 2017) |
| Tax Bill | $25,633 (2024) |
| Deeds & Mortgages | Aug 2026 Mortgage Apr 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 392289 20.14-4-87 |
| Primary APN | 392289 20.14-4-87 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,980 sqft Living Area |
| 1st Floor Area | 1,640 sqft |
| 2nd Floor Area | 1,340 sqft |
| Basement Area | 300 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Colonial |
| Exterior Material | Composition/Composite |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 127 ft deep x 117 ft wide |
| View / Lot | Suburban |
| Porch | Open Porch |
|---|---|
| Porch Area | 968 sqft |
| Patio Area | 528 sqft |
| Shed | 1 Shed |
| Canopy | 292 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0009968 |
|---|---|
| Street Address | 12 FREDERICK ST |
| City | GARNERVILLE |
| State | NY |
| Zip | 10923-1025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 915 |
| Legal Description | 49.-5-25 |
| Legal Subdivision | CHAPEL HILL HONES II SUBDIVISION |
| Legal Block | 4 |
| Legal Lot Number | 87.0 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | HAVERSTRAW |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10501 |
Source: Rockland County and Haverstraw Town records, as of September 30, 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 | 12 FREDERICK ST, GARNERVILLE, NY 10923-1025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Apr 15, 2022 | Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD |
| Oct 6, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD |
| Aug 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Mar 12, 2020 | Grant Deed, Transfer · Conventional with PMI POWER EXPRESS |
| Apr 27, 2017 | Bargain and Sale Deed, Transfer · FHA Mortgage ASSOCIATED MORTGAGE BANKERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2017 · Amount on Record |
| Deed Sale | Apr 27, 2017 · Amount on Record |
| Deed Document Number | 201713847 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Aug 25, 2026 |
| Property Address | 12 FREDERICK ST, GARNERVILLE, NY 10923-1025 |
| Document Number | 0000029087 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 202629087 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2026 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common, 169 |
| Address | 12 FREDERICK ST, GARNERVILLE, NY 10923-1025 |
| Document Number | 0000029087, |
|---|---|
| Date | Aug 25, 2026 |
| Instrument | 202629087 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 12 FREDERICK ST, GARNERVILLE, NY 10923-1025 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000014729 |
|---|---|
| Date | Apr 15, 2022 |
| Instrument | 2022-00014729 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 12 FREDERICK ST, GARNERVILLE, NY 10923-1025 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000041934 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 2021-00041934 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | May 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 12 FREDERICK ST, GARNERVILLE, NY 10923-1025 |
| Document Number | 0000028902 |
| Instrument Date | Aug 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2020 |
| Title Company | CORELOGIC-SOLUTIONS EXPRESS |
| Name | Verified Name |
|---|---|
| Address | 12 FREDERICK ST GARNERVILLE NY 109231025, GARNERVILLE, NY 10923-1025 |
| Document Number | 0000028902 |
|---|---|
| Date | Oct 6, 2020 |
| Instrument | 28902 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Oct 5, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Mar 12, 2020 |
| Property Address | 12 FREDERICK ST, GARNERVILLE, NY 10923-1025 |
| Document Number | 0000008911 |
| Instrument Date | Feb 25, 2020 |
| Instrument | 8911 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2020 |
| Title Company | HUDSON UNITED TITLE SERVICES LLC, HUDSON UNITED TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,660.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 49 OLD MIDDLETOWN RD NANUET NY 109543208, NANUET, NY 10954-3208 |
| Document Number | 8912 |
|---|---|
| Date | Mar 12, 2020 |
| Instrument | 8912 |
| Name | POWER EXPRESS |
|---|---|
| Address | GREAT NECK, NY 11021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 11, 2050 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Apr 27, 2017 |
| Property Address | 12 FREDERICK ST, GARNERVILLE, NY 10923-1025 |
| Document Number | 0000013847 |
| Instrument Date | Apr 21, 2017 |
| Instrument | 2017-00013847 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 FREDERICK ST, 12, GARNERVILLE, NY 10923-1025 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 2440 HUNTER AVE APT 13E, 13E, BRONX, NY 10475-5654 |
| Document Number | 0000013848 |
|---|---|
| Date | Apr 27, 2017 |
| Instrument | 2017-00013848 |
| Name | ASSOCIATED MORTGAGE BANKERS INC |
|---|---|
| Type | Subprime Lender |
| Address | RONKONKOMA, NY 11779 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
Source: Rockland County and Haverstraw Town assessment roll, as of May 16, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $25,633.00 | $324,200 (-) Land $147,800 Building $176,400 | $556,500 (+5.21%) |
| 2023 | $324,200 Land $147,800 Building $176,400 | $528,961 Land $241,149 Building $287,812 |
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 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 | 9 (1979–1999) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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 262 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 980 / 880 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
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