Rockland County and Ramapo Town property record for 12 Prospect St, Spring Valley, NY 10977
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 3,192 sqft · built 1988 |
| Lot Size | 0.189 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Deeds & Mortgages | Sep 2021 Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 392605 50.80-1-35 |
| Primary APN | 392605 50.80-1-35 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,192 sqft Total Area |
| 1st Floor Area | 1,596 sqft |
| 2nd Floor Area | 1,596 sqft |
| Year Built | Built 1988 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,276 sqft (0.189 acres) |
| Lot Dimensions | 111 ft deep x 75 ft wide |
| Porch | Porch |
| Porch Area | 280 sqft |
| Patio Area | 30 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00306500000 |
|---|---|
| Old Parcel Number | 260505008000010350000000 |
| Street Address | 12 PROSPECT ST |
| City | SPRING VALLEY |
| State | NY |
| Zip | 10977-7307 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 07 - MIXED |
| Legal Description | LOT:35.000 BLK:1 SEC:50.80 DIST:392605 CITY/MUNI/TWP:SPRING VALLEY |
| Legal Subdivision | GARDS ADD |
| Legal Block | 1 |
| Legal Lot Number | 35.000 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | RAMAPO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 12302 |
Source: Rockland County and Ramapo Town records, as of December 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 19 N RIGAUD RD, SPRING VALLEY, NY 10977-2533 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2021 | Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC |
| Sep 2, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage ARC HOME LLC |
| May 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ARK MORTGAGE INC |
| Oct 21, 2020 | Grant Deed, Transfer GIBRALTAR ABSTRACT CORPORATION, GIBRALTAR ABSTRACT CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2021 |
| Deed Sale | Sep 2, 2021 |
| Prior Sale | Oct 21, 2020 · Amount on Record |
| Deed Document Number | 0202137152 |
| Deed Book / Page | 2021 / 37152 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 12 PROSPECT ST, SPRING VALLEY, NY 10977-7307 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2024 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000037151 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 2021-00037151 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Sep 2, 2021 |
| Property Address | 12 PROSPECT ST, SPRING VALLEY, NY 10977-7307 |
| Document Number | 0000037152 |
| Instrument Date | Aug 17, 2021 |
| Instrument | 2021-00037152 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2024 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 913, MONSEY, NY 10952-0913 |
| Name | Verified Name |
|---|---|
| Address | 19 N RIGAUD RD, SPRING VALLEY, NY 10977-2533 |
| Document Number | 0000037153 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 2021-00037153 |
| Name | ARC HOME LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 12 PROSPECT ST, SPRING VALLEY, NY 10977-7307 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000014834 |
|---|---|
| Date | May 29, 2019 |
| Instrument | 2019-00014834 |
| Name | ARK MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Oct 21, 2020 |
| Property Address | 12 PROSPECT ST, SPRING VALLEY, NY 10977-7307 |
| Document Number | 0000030761 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 30761 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2020 |
| Title Company | GIBRALTAR ABSTRACT CORPORATION, GIBRALTAR ABSTRACT CORP |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,504.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 913 MONSEY NY 109520913, MONSEY, NY 10952-0913 |
Source: Rockland County and Ramapo Town assessment roll, as of May 31, 2024
| Type | Name |
|---|---|
| State | New York |
| County | Rockland County |
| County Subdivision | Ramapo Town |
| Municipality | Spring Valley Village |
| Unified School District | East Ramapo Central School District (Spring Valley) (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2024 | $72,700 (-) Land $7,500 Building $65,200 | $936,855 (+1,328.13%) Land $96,649 Building $840,206 |
| 2023 | $72,700 Land $7,500 Building $65,200 | $65,600 Land $6,768 Building $58,832 |
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 | 9 in force |
| Nearby Flood Claims | 2 (2021) |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 | 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.
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 399 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 | 2,300 / 2,300 |
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