Putnam County and Philipstown Town property record for 197 Main St, #199, Cold Spring, NY 10516
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2.5 ba · 2,280 sqft · built 1840 |
| Owner | 2 Individual Names on File |
| Last Sale | $745,000 (Mar 2025) |
| Tax Bill | $11,740 (2024) |
| Deeds & Mortgages | Oct 2022 Mortgage Oct 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 372601 48.8-6-9 |
| Primary APN | 372601 48.8-6-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,280 sqft Living Area |
| Gross Area | 2,570 sqft |
| 1st Floor Area | 1,368 sqft |
| 2nd Floor Area | 912 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1840 |
| Architectural Style | Old Style |
| Exterior Material | Wood |
| Lot Dimensions | 113 ft deep x 58 ft wide |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 180 sqft |
| Porch | Enclosed Porch |
| Porch Area | 110 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 028600 |
|---|---|
| Street Address | 197 MAIN ST, 199 |
| 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 Block | 6 |
| Legal Lot Number | 9.000 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | PHILIPSTOWN |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 10700 |
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.
197 Main St, #199 is owned by two individuals who bought it in March 2025.
Source: Putnam County and Philipstown Town records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22 W 139TH ST, NEW YORK, NY 10037-1501 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Oct 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 2025 · Amount on File |
| Deed Sale | Mar 21, 2025 · Amount on File |
| Prior Sale | Oct 9, 1997 |
| Deed Document Number | 20251605 |
| Deed Book / Page | 2391 / 339 |
| Prior Transfer Date | Mar 12, 2012 |
| Prior Transfer Doc | 0018930482 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 197-199 MAIN ST, COLD SPRING, NY 10516 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Title Company | TITLE365 NLSE |
| Name | Verified Name |
|---|---|
| Address | 199 MAIN ST, COLD SPRING, NY 10516-2401 |
| Document Number | 0077200001 |
|---|---|
| Date | Oct 26, 2022 |
| Book Page | 7720/1 |
| Instrument | 9424-2022 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 79797 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 197-199 MAIN ST, COLD SPRING, NY 10516 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Title Company | TITLE365 NLSE |
| Name | Verified Name |
|---|---|
| Address | 199 MAIN ST, COLD SPRING, NY 10516-2401 |
| Document Number | 0077190328 |
|---|---|
| Date | Oct 26, 2022 |
| Book Page | 7719/328 |
| Instrument | 9423-2022 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 176 Months |
| Due | Jun 1, 2037 |
Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $195,000 (+5.39%) Land $44,800 Building $150,200 | $635,800 (+16.01%) | |
| 2024 | $11,740.00 (+1.35%) | $185,030 (-) Land $44,800 Building $140,230 | $548,075 (+4.32%) |
| 2023 | $11,584.00 Homeowner's exemption | $185,030 (-) Land $44,800 Building $140,230 | $525,355 (+11.73%) Land $127,200 Building $398,155 |
| 2022 | $185,030 Land $44,800 Building $140,230 | $470,216 Land $113,850 Building $356,366 |
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.
FEMA maps place 197 Main St, #199 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 |
|
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 risk around 197 Main St, #199 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 | 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 | 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 |
| 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.
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 |
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