2 Cottage St, Warwick, NY 10990 Property Records

Orange County and Warwick Town property record for 2 Cottage St, Warwick, NY 10990

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 3,016 sqft · built 1920
Lot Size	0.272 acres (11,832 sqft)
Owner	Individual Name on File
Last Sale	$332,000 (Apr 2018)
Tax Bill	$9,804 (2024)
Deeds & Mortgages	Aug 2020 Loan Modification Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`335405 210-3-10`

Property Details

APN / Parcel Number

Primary APN	`335405 210-3-10`
Alternative APNs	`540521000000030100000000` `210-3-10`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,016 sqft Living Area
Gross Area	3,201 sqft
1st Floor Area	1,600 sqft
2nd Floor Area	1,416 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1931
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Lot Area	11,832 sqft (0.272 acres)
Lot Dimensions	124 ft deep x 78 ft wide
View / Lot	Suburban
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	489 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	210-3-10
Street Address	2 COTTAGE ST
City	WARWICK
State	NY
Zip	10990-1202
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	00206
Legal Block	3
Legal Lot Number	10.00
Jurisdiction	ORANGE NY
Township / Civil Division	WARWICK
Census Block Group	2
Census Block	2006
Census Tract	14602

Owner

2 Cottage St, a duplex, is owned and occupied by an individual who bought it in April 2018.

Source: Orange County and Warwick Town records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	2 COTTAGE ST, WARWICK, NY 10990-1202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Loan Modification, Mortgage · Conventional Mortgage HERITAGE FINANCIAL CU
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE FINANCIAL CU
Apr 9, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2018 · Amount on File
Deed Sale	Apr 9, 2018 · Amount on File
Prior Sale	Apr 11, 2016 · Amount on File
Deed Document Number	201826013
Deed Book / Page	14386 / 976
Prior Transfer Date	Apr 4, 2018
Prior Transfer Doc	0000026013
Record Updated	Oct 29, 2026

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE NY
Property Address	2 COTTAGE ST, WARWICK, NY 10990-1202
Document Number	0000048833
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	GREENACRE ABSTRACT, GREENACRE ABST

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 COTTAGE ST WARWICK NY 109901202, WARWICK, NY 10990-1202

Mortgage

Document Number	0000048833
Date	Sep 17, 2020
Book Page	014805/000534
Instrument	48833

Lender

Name	HERITAGE FINANCIAL CU
Address	25 RYKOWSKI LN, MIDDLETOWN, NY 10941-4019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2050

Interest

Rate Type	Fixed Rate
Rate	2.62%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	2 COTTAGE ST, WARWICK, NY 10990-1202
Document Number	0000048832
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	GREENACRE ABSTRACT, GREENACRE ABST

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 COTTAGE ST WARWICK NY 109901202, WARWICK, NY 10990-1202

Mortgage

Document Number	0000048832
Date	Sep 17, 2020
Book Page	014805/000518
Instrument	48832

Lender

Name	HERITAGE FINANCIAL CU
Address	25 RYKOWSKI LN, MIDDLETOWN, NY 10941-4019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2050

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Apr 9, 2018
Property Address	2 COTTAGE ST, WARWICK, NY 10990-1202
Document Number	0000026013
Book / Page	14386 / 976
Instrument Date	Apr 4, 2018
Instrument	20180026013
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4 COTTAGE ST, WARWICK, NY 10990-1202

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Orange County
County Subdivision	Warwick Town
Municipality	Warwick Village
Unified School District	Warwick Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$34,800 (-) Land $7,700 Building $27,100	$414,300 (+5.96%)
2024	$9,804.00	$34,800 (-) Land $7,700 Building $27,100	$391,000 (+3.93%)
2023		$34,800 (-) Land $7,700 Building $27,100	$376,200 (+17.31%) Land $83,240 Building $292,960
2022		$34,800 Land $7,700 Building $27,100	$320,700 Land $70,959 Building $249,741

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

FEMA maps place 2 Cottage St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 Policies	1 in force

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

Wildfire risk around 2 Cottage St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WARWICK VILLAGE serves 6,800 people · EPA ID NY3503561
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Alteva of Warwick Fiber	1,000 / 1,000

May also be available: Frontier, Verizon.

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