193 Main St, #195, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 193 Main St, #195, Cold Spring, NY 10516

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,520 sqft · built 1860
Lot Size	0.143 acres (6,254 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,000 (Jan 2013)
Tax Bill	$17,963 (2024)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372601 48.8-6-10`

Property Details

APN / Parcel Number

Primary APN	`372601 48.8-6-10`
Alternative APNs	`260104800800060100000000` `026185`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,520 sqft Living Area
Gross Area	2,700 sqft
1st Floor Area	1,512 sqft
2nd Floor Area	1,008 sqft
Game Room	Game Room

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Old Style
Exterior Material	Wood
Lot Area	6,254 sqft (0.143 acres)
Lot Dimensions	118 ft deep x 53 ft wide
View / Lot	Lake Front
Porch	Covered Porch
Porch Area	468 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	026185
Street Address	193 MAIN ST, 195
City	COLD SPRING
State	NY
Zip	10516-2401
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R10
Legal Description	LAND & RESIDENCE
Legal Subdivision	VILLAGE OF COLD SPRING
Legal Block	6
Legal Lot Number	10.00
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	2
Census Block	2011
Census Tract	10700

Historic Designation

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

Historic District	Within the Cold Spring Historic District listed 1982 · 219 contributing resources · NRIS 82001235

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

Owner

Source: Putnam County and Philipstown Town records, as of September 28, 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	193 MAIN ST, 195, COLD SPRING, NY 10516-2401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2013 · Amount on Record
Deed Sale	Jan 15, 2013 · Amount on Record
Deed Document Number	20131500115
Deed Book / Page	1913 / 230
Record Updated	Oct 29, 2026

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PUTNAM NY
Recording Date	Sep 25, 2018
Property Address	193-195 MAIN ST, COLD SPRING, NY 10516
Document Number	0020900241
Book / Page	002090 / 000241
Instrument Date	Aug 28, 2018
Instrument	1502491
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	RJF TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	205 S BROADWAY #6 TARRYTOWN NY 105914515, 6, TARRYTOWN, NY 10591-4515

Mortgage

Document Number	68570423
Date	Sep 25, 2018
Book Page	006857/000423
Instrument	1602644

Lender

Name	MICHAEL & MARY RAPP
Address	38 YESTERDAY DR, COLD SPRING, NY 10516-3886

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 24, 2033

Interest

Rate	4%

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		$283,100 (-) Land $44,800 Building $238,300	$923,052 (+14.84%)
2024	$17,963.00
2023		$283,100 (-) Land $44,800 Building $238,300	$803,805 (+11.73%) Land $127,201 Building $676,604
2022		$283,100 Land $44,800 Building $238,300	$719,441 Land $113,850 Building $605,591

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

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

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.

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