176 E Mountain Rd S, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 176 E Mountain Rd S, Cold Spring, NY 10516

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,795 sqft · built 2003
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on Record
Tax Bill	$15,242 (2024)
Deeds & Mortgages	May 2021 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372689 28.-1-2`

Property Details

APN / Parcel Number

Primary APN	`372689 28.-1-2`
Alternative APN	`268902800000010020000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,795 sqft Living Area
Gross Area	2,987 sqft
1st Floor Area	1,741 sqft
Basement Area	1,054 sqft
Finished Basement	1,054 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	98,010 sqft (2.25 acres)
Lot Width	301 ft Width
View / Lot	Waterfront
Garage Type	Detached
Garage Area	1,250 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	204 sqft
Shed	1 Shed
Shed Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	176 E MOUNTAIN RD S
City	COLD SPRING
State	NY
Zip	10516-3821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	LAND & RES
Legal Subdivision	SUBDIVISION PLAT OF JEREMIAH ESTATES
Legal Block	1
Legal Lot Number	2.000
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	3
Census Block	3007
Census Tract	10600

Owner

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	2 Individual Names on Record
Mailing Address	176 E MOUNTAIN RD S, COLD SPRING, NY 10516-3821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 25, 2016	Loan Modification, Consolidation and Extension, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	176 E MOUNTAIN RD S, COLD SPRING, NY 10516-3821
Transaction Type	Mortgage
Record Updated	Mar 14, 2023
Title Company	NOT AVAILABLE, ROMBOUT ABSTRACT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 E MOUNTAIN RD S, COLD SPRING, NY 10516-3821

Mortgage

Document Number	0073490276
Date	May 11, 2021
Book Page	7349/276
Instrument	5614-2021

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	176 E MOUNTAIN RD S, COLD SPRING, NY 10516-3821
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066800110
Date	Jan 20, 2017
Book Page	6680/110
Instrument	1600272

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Nov 1, 2036

October 2016: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	PUTNAM NY
Property Address	176 E MOUNTAIN RD S, COLD SPRING, NY 10516-3821
Document Number	0066800128
Instrument Date	Oct 25, 2016
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	176 E MOUNTAIN RD S COLD SPRING NY 105163821, COLD SPRING, NY 10516-3821

Mortgage

Document Number	0066800128
Date	Jan 20, 2017
Book Page	006680/000128
Instrument	1600273

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MINNEAPOLIS, MN 55467-8000

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 19, 2037

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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
Unified School District	Haldane Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$263,000 (-) Land $56,300 Building $206,700	$857,515 (+14.84%)
2024	$15,242.00
2023		$263,000 Land $56,300 Building $206,700	$746,735 Land $159,852 Building $586,883

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 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	5 in force
Nearby Flood Claims	2 (2011–2023)
Most Recent Claim	Jul 2023 · Severe Storms And 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.

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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