12 Lakes Rd, Monroe, NY 10950 Property Records

Orange County and Monroe Town property record for 12 Lakes Rd, Monroe, NY 10950

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,378 sqft · built 1940
Lot Size	0.111 acres (4,843 sqft)
Owner	Company Name on File
Last Sale	$575,000 (Aug 2023)
Tax Bill	$13,109 (2024)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2023 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`334001 206-4-8`

Property Details

APN / Parcel Number

Primary APN	`334001 206-4-8`
Alternative APNs	`400120600000040080000000` `206-4-8`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,378 sqft Living Area
Gross Area	2,714 sqft
1st Floor Area	1,189 sqft
2nd Floor Area	1,189 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2011
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Lot Area	4,843 sqft (0.111 acres)
Lot Dimensions	132 ft deep x 176 ft wide
View / Lot	Suburban
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	200 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	206-4-8
Street Address	12 LAKES RD
City	MONROE
State	NY
Zip	10950-2616
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	CB
Legal Description	LAKE ST
Legal Block	4
Legal Lot Number	8.000
Jurisdiction	ORANGE NY
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2023
Census Tract	14101

Owner

12 Lakes Rd, a duplex, is owned by a company that bought it in August 2023.

Source: Orange County and Monroe Town records, as of September 9, 2026

Owner of Record	Company Name on File
Mailing Address	51 FOREST RD, 316, MONROE, NY 10950-2905
Owner Type	Company
Vesting	Limited Liability Company

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
Aug 18, 2026	Deed of Trust, Mortgage · Line of Credit LEAD BANK
Nov 15, 2023	Deed, Transfer NOT AVAILABLE, WESTCORE TITLE
Aug 31, 2023	Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2023 · Amount on File
Deed Sale	Aug 31, 2023 · Amount on File
Prior Sale	Apr 28, 2005 · Amount on File
Deed Document Number	202353118
Deed Book / Page	15464 / 1736
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Recording Date	Aug 18, 2026
Property Address	12 LAKES RD, MONROE, NY 10950-2616
Document Number	0000060203
Book / Page	15936 / 1297
Instrument Date	Jul 31, 2026
Instrument	202660203
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 LAKES RD, MONROE, NY 10950-5113

Mortgage

Document Number	0000060203,
Date	Aug 18, 2026
Book Page	15936/1297
Instrument	202660203

Lender

Name	LEAD BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Nov 15, 2023
Property Address	1012 LAKES RD, MONROE, NY 10950
Document Number	0000067579
Book / Page	15491 / 1921
Instrument Date	Oct 24, 2023
Instrument	20230067579
Transaction Type	Transfer
Record Updated	Dec 12, 2023
Title Company	NOT AVAILABLE, WESTCORE TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 FOREST RD # 316-15, 316, MONROE, NY 10950-2905

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Aug 31, 2023
Property Address	1012 LAKES RD, MONROE, NY 10950
Document Number	0000053118
Book / Page	15464 / 1736
Instrument Date	Jun 29, 2023
Instrument	20230053118
Transaction Type	Transfer
Record Updated	Dec 12, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

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	27 SCHUNNEMUNK RD UNIT 201, 201, MONROE, NY 10950-6138

Mortgage

Document Number	0000053119
Date	Aug 31, 2023
Instrument	20230053119

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Orange County
County Subdivision	Monroe Town
Municipality	Monroe Village
Unified School District	Monroe-Woodbury Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$53,200 Land $18,600 Building $34,600	$492,100
2024	$13,109.00
2023		$53,200 (-) Land $18,600 Building $34,600	$433,900 (+22.92%) Land $151,702 Building $282,198
2022		$53,200 Land $18,600 Building $34,600	$353,000 Land $123,417 Building $229,583

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 12 Lakes Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 26, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	9 in force
Nearby Flood Claims	21 (1979–2026)
Claims Outside the SFHA	2 of 21
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 4 claims Coastal Storms & Flooding, Apr 1984 · 3 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 12 Lakes Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONROE VILLAGE serves 12,000 people · EPA ID NY3503535
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	3 ppb (2024–2026) 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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Optimum Cable · Fiber in parts of the area	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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