125 Lane Gate Rd, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 125 Lane Gate Rd, Cold Spring, NY 10516

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 6,520 sqft · built 1978
Lot Size	4.53 acres (197,327 sqft)
Owner	Individual Name on File
Last Sale	$2,550,000 (Oct 2020)
Tax Bill	$24,612 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372689 49.-3-2`

Property Details

APN / Parcel Number

Primary APN	`372689 49.-3-2`
Alternative APN	`268904900000030020000000`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	6,520 sqft Living Area
Gross Area	7,362 sqft
1st Floor Area	3,260 sqft
2nd Floor Area	3,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2003
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	197,327 sqft (4.53 acres)
Lot Width	264 ft Width
View / Lot	Waterfront
Garage Type	Attached
Garage Area	841 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	250 sqft
Patio Area	710 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	125 LANE GATE RD
City	COLD SPRING
State	NY
Zip	10516-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Subdivision	SECOND SUBDIVISION PLAT ANTON CHMELA
Legal Block	3
Legal Lot Number	2.000
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	2
Census Block	2029
Census Tract	10600

Owner

Source: Putnam County and Philipstown Town 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	Individual Name on File
Mailing Address	125 LANE GATE RD, COLD SPRING, NY 10516-3522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Mar 3, 2017	Deed of Trust, Mortgage · Line of Credit PEOPLES UNITED BANK
Oct 22, 2020	Grant Deed, Transfer RG TITLE AGENCY, RG TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2020 · Amount on File
Deed Sale	Oct 22, 2020 · Amount on File
Prior Sale	Oct 22, 2020 · Amount on File
Deed Document Number	202088172020
Deed Book / Page	2181 / 121
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	125 LANE GATE RD, COLD SPRING, NY 10516-3522
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 LANE GATE RD, COLD SPRING, NY 10516-3522
Investor	Possibly a Property Investor

Mortgage

Document Number	0075420304
Date	Dec 16, 2021
Book Page	7542/304
Instrument	14810-2021

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.6%
Type Change Date	Dec 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.6%
Index	Other
Margin	3
Max Rate	7.6%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	125 LANE GATE RD, COLD SPRING, NY 10516-3522
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066970072
Date	Mar 3, 2017
Book Page	6697/072
Instrument	1600858

Lender

Name	PEOPLES UNITED BANK
Type	Bank
Address	BRIDGEPORT, CT 06604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	353 Months
Due	Aug 7, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PUTNAM NY
Recording Date	Oct 22, 2020
Property Address	125 LANE GATE RD, COLD SPRING, NY 10516-3522
Document Number	0021810121
Book / Page	002181 / 000121
Instrument Date	Oct 21, 2020
Instrument	8817
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	RG TITLE AGENCY, RG TITLE AGCY

Transaction

Amount	Amount on Record
Tax	$10,200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31 OLD FARM LN GARRISON NY 105243724, GARRISON, NY 10524-3724

Tax Assessment & Valuation

Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Putnam County
County Subdivision	Philipstown Town
Unified School District	Haldane Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$424,690 (-) Land $90,600 Building $334,090	$1,384,708 (+14.84%)
2024	$24,612.00
2023		$424,690 (-) Land $90,600 Building $334,090	$1,205,821 (+11.73%) Land $257,240 Building $948,581
2022		$424,690 Land $90,600 Building $334,090	$1,079,263 Land $230,241 Building $849,022

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · 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	6 (2007–2011)
Claims Outside the SFHA	1 of 6
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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000

Cell Coverage

5G (outdoors only) and 4G LTE

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