Putnam County and Philipstown Town property record for 15 Orchard St, Cold Spring, NY 10516
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,828 sqft · built 1906 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $462,500 (May 2015) |
| Tax Bill | $11,434 (2024) |
| Deeds & Mortgages | May 2022 Mortgage May 2022 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372601 48.8-4-42 |
| Primary APN | 372601 48.8-4-42 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,828 sqft Living Area |
| Gross Area | 2,108 sqft |
| 1st Floor Area | 893 sqft |
| 2nd Floor Area | 807 sqft |
| Attic | Attic |
| Attic Area | 128 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 103 ft deep x 50 ft wide |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 220 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 280 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 012350 |
|---|---|
| Street Address | 15 ORCHARD ST |
| City | COLD SPRING |
| State | NY |
| Zip | 10516-1905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | LAND & RESIDENCE |
| Legal Block | 4 |
| Legal Lot Number | 42.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | PHILIPSTOWN |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 10700 |
Source: Putnam County and Philipstown Town records, as of April 29, 2026
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 | 15 ORCHARD ST, COLD SPRING, NY 10516-1905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 16, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HUDSON VALLEY FCU |
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2015 · Amount on Record |
| Deed Sale | May 8, 2015 · Amount on Record |
| Deed Document Number | 20151024 |
| Deed Book / Page | 1979 / 185 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 15 ORCHARD ST, COLD SPRING, NY 10516-1905 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 15 ORCHARD ST, COLD SPRING, NY 10516-1905 |
| Document Number | 0076440180 |
|---|---|
| Date | May 11, 2022 |
| Book Page | 7644/180 |
| Instrument | 4593-2022 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 222 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 15 ORCHARD ST, COLD SPRING, NY 10516-1905 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 15 ORCHARD ST, COLD SPRING, NY 10516-1905 |
| Document Number | 0076460227 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 7646/227 |
| Instrument | 4711-2022 |
| Name | HUDSON VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | POUGHKEEPSIE, NY 12603 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 2, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 15 ORCHARD ST, COLD SPRING, NY 10516-1905 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RAM ABSTRACT LTD |
| Name | Verified Name |
|---|---|
| Address | 15 ORCHARD ST, COLD SPRING, NY 10516-1905 |
| Document Number | 0072050236 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 7205/236 |
| Instrument | 10396-2020 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2040 |
Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Philipstown Town |
| Municipality | Cold Spring Village |
| Unified School District | Haldane Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $180,200 (-) Land $41,300 Building $138,900 | $587,545 (+14.84%) | |
| 2024 | $11,434.00 | ||
| 2023 | $180,200 (+2.97%) Land $41,300 Building $138,900 | $511,641 (+15.05%) Land $117,263 Building $394,378 | |
| 2022 | $175,000 Land $41,300 Building $133,700 | $444,727 Land $104,956 Building $339,771 |
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.
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 | 6 in force |
| Nearby Flood Claims | 9 (2011–2024) |
| Claims Outside the SFHA | 6 of 9 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 447 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 |
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