165 Spruce Rd, Middletown, NY 10940 Property Records

Orange County and Mount Hope Town property record for 165 Spruce Rd, Middletown, NY 10940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,044 sqft · built 1999
Lot Size	1.7 acres (74,052 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (Oct 2017)
Tax Bill	$8,846 (2024)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`334489 1-1-67`

Property Details

APN / Parcel Number

Primary APN	`334489 1-1-67`
Alternative APNs	`448900100000010670000000` `1-1-67`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,044 sqft Living Area
Gross Area	2,092 sqft
1st Floor Area	1,344 sqft
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	74,052 sqft (1.7 acres)
View / Lot	Rural
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	1-1-67
Street Address	165 SPRUCE RD
City	MIDDLETOWN
State	NY
Zip	10940-7404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LT 1 BLK B WISPERING HLS
Legal Subdivision	WHISPERING HILLS SUBDIVISION PLAN
Legal Block	1
Legal Lot Number	67.00
Jurisdiction	ORANGE NY
Township / Civil Division	MOUNT HOPE
Census Block Group	2
Census Block	2012
Census Tract	11500

Owner

Source: Orange County and Mount Hope Town records, as of July 7, 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	165 SPRUCE RD, MIDDLETOWN, NY 10940-7404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Line of Credit HUDSON VALLEY FEDERAL CREDIT UNION
Oct 5, 2017	Grant Deed, Transfer · FHA Mortgage HOMESTEAD FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2017 · Amount on Record
Deed Sale	Oct 5, 2017 · Amount on Record
Prior Sale	Sep 27, 2013 · Amount on Record
Deed Book / Page	14300 / 1970
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Recording Date	Jun 18, 2026
Property Address	165 SPRUCE RD, MIDDLETOWN, NY 10940-7404
Document Number	0000044228
Book / Page	15909 / 462
Instrument Date	Jun 8, 2026
Instrument	202644228
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 SPRUCE RD, MIDDLETOWN, NY 10940-7404

Mortgage

Document Number	0000044228,
Date	Jun 18, 2026
Book Page	15909/462
Instrument	202644228

Lender

Name	HUDSON VALLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Max Rate	-1%

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE NY
Recording Date	Oct 5, 2017
Property Address	165 SPRUCE RD, MIDDLETOWN, NY 10940-7404
Document Number	0000071538
Book / Page	014300 / 001970
Instrument Date	Oct 4, 2017
Instrument	71538
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	HILL-N-DALE ABSTRACTERS INC.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,016.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 NASSAU AVE GLEN COVE NY 115423805, GLEN COVE, NY 11542-3805

Mortgage

Document Number	71539
Date	Oct 5, 2017
Book Page	014300/001974
Instrument	71539

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2047

Tax Assessment & Valuation

Source: Orange County and Mount Hope Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
County Subdivision	Mount Hope Town
Unified School District	Minisink Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$156,000 (-) Land $28,300 Building $127,700	$472,700 (+18.18%)
2024	$8,846.00
2023		$156,000 Land $28,300 Building $127,700	$400,000 Land $72,564 Building $327,436

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	4 (2011)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 98.2% of New York
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Frontier, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures