Orange County and Cornwall Town property record for 186 Main St, Cornwall, NY 12518
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,242 sqft · built 1884 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $370,000 (May 2022) |
| Tax Bill | $8,738 (2024) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Nov 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 332489 18-4-2 |
| Primary APN | 332489 18-4-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,242 sqft Living Area |
| Gross Area | 1,334 sqft |
| 1st Floor Area | 652 sqft |
| 2nd Floor Area | 590 sqft |
| Year Built | Built 1884 |
|---|---|
| Effective Year Built | Effective 1884 |
| Architectural Style | Old Style |
| Exterior Material | Wood |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| View / Lot | Suburban |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
| Porch Area | 104 sqft |
| Patio Area | 100 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 18-4-2 |
|---|---|
| Street Address | 186 MAIN ST |
| City | CORNWALL |
| State | NY |
| Zip | 12518-1512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Block | 4 |
| Legal Lot Number | 2.000 |
| Jurisdiction | ORANGE NY |
| Township / Civil Division | CORNWALL |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 13000 |
Source: Orange County and Cornwall Town records, as of May 26, 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 | 186 MAIN ST, CORNWALL, NY 12518-1512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2022 | Deed, Transfer · Stand-Alone First Mortgage AMERICAN FEDERAL MORTGAGE CORP |
| Nov 7, 2017 | Loan Modification, Mortgage US BANK NA SERIES 2006-1 (CE) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2022 · Amount on Record |
| Deed Sale | May 26, 2022 · Amount on Record |
| Prior Sale | Aug 16, 2006 · Amount on Record |
| Deed Document Number | 202239654 |
| Deed Book / Page | 15239 / 250 |
| Prior Transfer Date | Feb 19, 1999 |
| Prior Transfer Doc | 5007000128 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ORANGE NY |
| Recording Date | May 26, 2022 |
| Property Address | 186 MAIN ST, CORNWALL, NY 12518-1512 |
| Document Number | 0000039654 |
| Book / Page | 15239 / 250 |
| Instrument Date | May 3, 2022 |
| Instrument | 20220039654 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 353 40TH ST, BROOKLYN, NY 11232-3749 |
| Document Number | 0000039655 |
|---|---|
| Date | May 26, 2022 |
| Instrument | 20220039655 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 186 MAIN ST, CORNWALL, NY 12518-1512 |
| Document Number | 0000087434 |
| Book / Page | 014331 / 001052 |
| Instrument Date | Nov 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | PO BOX 455 CORNWALL ON HUDSON NY 125200455, CORNWALL ON HUDSON, NY 12520-0455 |
| Document Number | 0000087434 |
|---|---|
| Date | Dec 6, 2017 |
| Book Page | 014331/001052 |
| Instrument | 87434 |
| Name | US BANK NA SERIES 2006-1 (CE) |
|---|---|
| Address | SAINT PAUL, MN 55107 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Dec 5, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.42% |
Source: Orange County and Cornwall Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Orange County |
| County Subdivision | Cornwall Town |
| Unified School District | Cornwall Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $196,800 (-) Land $58,700 Building $138,100 | $311,300 (+6.68%) | |
| 2024 | $8,738.00 | ||
| 2023 | $196,800 (-) Land $58,700 Building $138,100 | $291,800 (+11.89%) Land $87,036 Building $204,764 | |
| 2022 | $196,800 Land $58,700 Building $138,100 | $260,800 Land $77,789 Building $183,011 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2007 · Severe Storms And Inland And Coastal 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 |
| Adjoins Burnable Land | Yes |
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 | CORNWALL-ON-HUDSON serves 9,700 people · EPA ID NY3503526 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 322 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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