15 Division St, #17, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 15 Division St, #17, Cold Spring, NY 10516

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,102 sqft · built 1926
Owner	2 Individual Names on File
Last Sale	$405,000 (Sep 2026)
Tax Bill	$10,882 (2024)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372603 49.5-1-20`

Property Details

APN / Parcel Number

Primary APN	`372603 49.5-1-20`
Alternative APNs	`260304900500010200000000` `036175`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,102 sqft Living Area
1st Floor Area	1,382 sqft
2nd Floor Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Old Style
Exterior Material	Wood
Lot Dimensions	112 ft deep x 62 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	253 sqft
Parking Spaces	1 Parking Space
Patio Area	126 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	036175
Street Address	15 DIVISION ST, 17
City	COLD SPRING
State	NY
Zip	10516-1503
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R10
Legal Description	LAND & RESIDENCE
Legal Block	1
Legal Lot Number	20.00
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	1
Census Block	1006
Census Tract	10700

Owner

15 Division St, #17 is owned by two individuals who bought it in September 2026.

Source: Putnam County and Philipstown Town records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	75 VAN AMBURGH RD, MONTGOMERY, NY 12549-2339
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on File
Deed Sale	Sep 30, 2026 · Amount on File
Prior Sale	Feb 10, 2011 · Amount on File
Deed Document Number	20266365
Deed Book / Page	2459 / 30
Prior Transfer Date	Jul 15, 2011
Prior Transfer Doc	0018790281
Record Updated	Oct 29, 2026

September 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Sep 30, 2026
Property Address	15 DIVISION ST, 17, COLD SPRING, NY 10516-1503
Document Number	0000006365
Book / Page	2459 / 30
Instrument Date	Sep 24, 2026
Instrument	20266365
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$163,620.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 VAN AMBURGH RD, MONTGOMERY, NY 12549-2339

Mortgage

Document Number	0000006366,
Date	Sep 30, 2026
Book Page	8155/239
Instrument	20266366

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

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
Municipality	Nelsonville Village
Unified School District	Haldane Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$188,900 (-) Land $45,200 Building $143,700	$615,911 (+10.07%)
2024	$10,882.00 (-8.91%)	$188,900 (-) Land $45,200 Building $143,700	$559,538 (+4.32%)
2023	$11,946.00	$188,900 Land $45,200 Building $143,700	$536,343 Land $128,336 Building $408,007

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 15 Division St, #17 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1999.

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	4 in force
Nearby Flood Claims	4 (1999–2021)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 15 Division St, #17 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	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	COLD SPRING VILLAGE serves 2,666 people · EPA ID NY3903652
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fixed Wireless	300 / 20