Orange County and Monroe Town property record for 146 Cedar Cliff Rd, Monroe, NY 10950
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 4,746 sqft · built 1956 |
| Lot Size | 1.69 acres (73,610 sqft) |
| Owner | Individual Name on File |
| Last Sale | $445,000 (Jan 2018) |
| Tax Bill | $14,053 (2024) |
| Deeds & Mortgages | Apr 2026 Line of Credit Sep 2019 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 334089 7-2-58 |
| Primary APN | 334089 7-2-58 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 4,746 sqft Living Area |
| Gross Area | 5,814 sqft |
| 1st Floor Area | 2,712 sqft |
| Upper Floors Area | 2,034 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Cape Cod |
| Exterior Material | Stone |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 73,610 sqft (1.69 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 784 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 568 sqft |
| Patio Area | 504 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 7-2-58 |
|---|---|
| Street Address | 146 CEDAR CLIFF RD |
| City | MONROE |
| State | NY |
| Zip | 10950-4703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR-1.0AC |
| Legal Description | LT 1 SPARK SUB MAP 381-06 |
| Legal Subdivision | SPARK |
| Legal Block | 2 |
| Legal Lot Number | 58.00 |
| Jurisdiction | ORANGE NY |
| Township / Civil Division | MONROE |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 14202 |
146 Cedar Cliff Rd is owned and occupied by an individual who bought it in January 2018.
Source: Orange County and Monroe Town records, as of May 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 146 CEDAR CLIFF RD, MONROE, NY 10950-4703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Line of Credit OUR FEDERAL CREDIT UNION |
| Sep 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Sep 4, 2019 | Loan Modification, Mortgage FREEDOM MTG |
| Jan 18, 2018 | Deed, Transfer FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 18, 2018 · Amount on File |
| Deed Sale | Jan 18, 2018 · Amount on File |
| Prior Sale | Jun 15, 2006 · Amount on File |
| Deed Document Number | 20184588 |
| Deed Book / Page | 14349 / 1304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Recording Date | Apr 29, 2026 |
| Property Address | 146 CEDAR CLIFF RD, MONROE, NY 10950-4703 |
| Document Number | 0000031329 |
| Book / Page | 15887 / 1337 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202631329 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 146 CEDAR CLIFF RD, MONROE, NY 10950-4703 |
| Document Number | 0000031329, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 15887/1337 |
| Instrument | 202631329 |
| Name | OUR FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 146 CEDAR CLIFF RD, MONROE, NY 10950-4703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | SECURITY TITLE/GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 0000069217 |
|---|---|
| Date | Sep 26, 2019 |
| Book Page | 14630/966 |
| Instrument | 20190069217 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2039 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 146 CEDAR CLIFF RD, MONROE, NY 10950-4703 |
| Document Number | 0000069218 |
| Instrument Date | Sep 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2019 |
| Title Company | INTRACOASTAL ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 146 CEDAR CLIFF RD MONROE NY 109504703, MONROE, NY 10950-4703 |
| Document Number | 0000069218 |
|---|---|
| Date | Sep 26, 2019 |
| Book Page | 014630/000978 |
| Instrument | 69218 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Sep 25, 2039 |
| Rate | 3.62% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | ORANGE NY |
| Recording Date | Jan 18, 2018 |
| Property Address | 146 CEDAR CLIFF RD, MONROE, NY 10950-4703 |
| Document Number | 0000004588 |
| Book / Page | 14349 / 1304 |
| Instrument Date | Jul 7, 2017 |
| Instrument | 20180004588 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11983, SOUTH OZONE PARK, NY 11420 |
| Document Number | 0000004589 |
|---|---|
| Date | Jan 18, 2018 |
| Book Page | 0000014349/0000001309 |
| Instrument | 20180004589 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Amount | Amount on Record |
|---|---|
| Term | 348 Months |
| Due | Jan 1, 2047 |
Source: Orange County and Monroe Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Orange County |
| County Subdivision | Monroe Town |
| Unified School District | Monroe-Woodbury Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $72,300 Land $24,200 Building $48,100 | $668,800 | |
| 2024 | $14,053.00 | ||
| 2023 | $72,300 Land $24,200 Building $48,100 | $589,700 Land $197,382 Building $392,318 |
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.
FEMA maps place 146 Cedar Cliff Rd in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1979.
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 | 5 in force |
| Nearby Flood Claims | 13 (1979–2011) |
| Claims Outside the SFHA | 4 of 13 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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.
Wildfire risk around 146 Cedar Cliff Rd is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Frontier Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures