15 Rock St, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 15 Rock St, Cold Spring, NY 10516

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,567 sqft · built 1988
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$840,000 (Jun 2023)
Tax Bill	$11,583 (2024)
Deeds & Mortgages	Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372601 48.12-1-22`

Property Details

APN / Parcel Number

Primary APN	`372601 48.12-1-22`
Alternative APNs	`260104801200010220000000` `030602`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,567 sqft Living Area
Gross Area	1,740 sqft
1st Floor Area	787 sqft
2nd Floor Area	780 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	174 ft deep x 60 ft wide
View / Lot	Lake Front
Porch	Covered Porch
Porch Area	273 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	030602
Street Address	15 ROCK ST
City	COLD SPRING
State	NY
Zip	10516-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	1
Legal Lot Number	22.00
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	2
Census Block	2014
Census Tract	10700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Point Foundry listed 1973 · 7 contributing resources · NRIS 73001250

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

15 Rock St is owned by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	16 HARBOR HILL CT, BEACON, NY 12508-3166
Owner Type	Individual
Vesting	Joint Tenants

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	Jun 23, 2023 · Amount on File
Deed Sale	Jun 23, 2023 · Amount on File
Prior Sale	Dec 20, 2013 · Amount on File
Deed Document Number	20233615
Deed Book / Page	2323 / 223
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	15 ROCK ST, COLD SPRING, NY 10516-2911
Transaction Type	Mortgage
Record Updated	Sep 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HARBOR HILL CT, BEACON, NY 12508-3166

Mortgage

Document Number	0078040010
Date	Aug 23, 2023
Book Page	7804/10
Instrument	4788-2023

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jul 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Max Rate	10.6%

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	Cold Spring Village
Unified School District	Haldane Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$182,555 Land $54,000 Building $128,555	$595,223
2024	$11,583.00
2023		$182,555 (-) Land $54,000 Building $128,555	$518,328 (+11.73%) Land $153,322 Building $365,006
2022		$182,555 Land $54,000 Building $128,555	$463,926 Land $137,230 Building $326,696

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 Rock St in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 1992.

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	10 units insured incl. 2 condo units
Nearby Flood Claims	29 (1992–2024)
Claims Outside the SFHA	3 of 29
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jul 2023 · 2 claims Hurricane Sandy, Oct 2012 · 12 claims Hurricane Irene, Aug 2011 · 8 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

Wildfire risk around 15 Rock St 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	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	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 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