145 Prospect Ave, Middletown, NY 10940 Property Records

Orange County and Middletown City property record for 145 Prospect Ave, Middletown, NY 10940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 1929
Lot Size	0.148 acres (6,435 sqft)
Owner	2 Trust Names on File
Last Sale	$128,625 (Dec 2018)
Tax Bill	$6,970 (2024)
Deeds & Mortgages	Feb 2022 Refinance Jan 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`330900 32-2-7`

Property Details

APN / Parcel Number

Primary APN	`330900 32-2-7`
Alternative APNs	`090003200000020070000000` `1690009300` `32-2-7`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,640 sqft Living Area
Gross Area	1,689 sqft
1st Floor Area	820 sqft
2nd Floor Area	820 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 2019
Architectural Style	Old Style
Exterior Material	Wood
Lot Area	6,435 sqft (0.148 acres)
Lot Dimensions	117 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	305 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1690009300
Street Address	145 PROSPECT AVE
City	MIDDLETOWN
State	NY
Zip	10940-3942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Block	2
Legal Lot Number	7.000
Jurisdiction	ORANGE NY
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3005
Census Tract	1100

Owner

145 Prospect Ave is held in a trust since November 2023.

Source: Orange County and Middletown City records, as of April 29, 2026

Owner of Record	2 Trust Names on File
Mailing Address	145 PROSPECT AVE, MIDDLETOWN, NY 10940-3942
Owner Type	Company
Vesting	Trust, Irrevocable Trust

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 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ARK-LA-TEX FINANCIAL SERVICES LLC
Jan 17, 2024	Deed, Transfer
Dec 13, 2018	Deed, Transfer · Stand-Alone First Mortgage M & T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2018 · Amount on File
Deed Sale	Dec 13, 2018 · Amount on File
Prior Sale	Sep 2, 2016 · Amount on File
Deed Document Number	201887581
Deed Book / Page	14500 / 1462
Last Transfer Date	Nov 24, 2023
Transfer Doc	0000003604
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	145 PROSPECT AVE, MIDDLETOWN, NY 10940-3942
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013459
Date	Feb 23, 2022
Book Page	15162/895
Instrument	20220013459

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Jan 17, 2024
Property Address	145 PROSPECT AVE, MIDDLETOWN, NY 10940-3942
Document Number	0000003604
Book / Page	15516 / 613
Instrument Date	Nov 24, 2023
Instrument	20240003604
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Investor	Possibly a Property Investor

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Dec 13, 2018
Property Address	145 PROSPECT AVE, MIDDLETOWN, NY 10940-3942
Document Number	0000087581
Book / Page	14500 / 1462
Instrument Date	Oct 15, 2018
Instrument	20180087581
Transaction Type	Transfer
Record Updated	Jul 12, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1760 MADISON AVE APT 606, 606, NEW YORK, NY 10029-1042

Mortgage

Document Number	0000087582
Date	Dec 13, 2018
Instrument	20180087582

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000087581
Date	Dec 13, 2018
Book Page	14500/1462
Instrument	20180087581

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Orange County and Middletown City assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
Municipality	Middletown City
Unified School District	Middletown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$25,100 Land $6,500 Building $18,600	$285,600
2024	$6,970.00
2023		$25,100 (-) Land $6,500 Building $18,600	$251,000 (+17.02%) Land $65,000 Building $186,000
2022		$25,100 Land $6,500 Building $18,600	$214,500 Land $55,548 Building $158,952

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 145 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 145 Prospect Ave 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 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	MIDDLETOWN CITY serves 30,000 people · EPA ID NY3503534
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 ppb (2021–2023) 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 738 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Optimum, T-Mobile.

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