20 Cedar Ct, Middletown, NY 10940 Property Records

Orange County and Middletown City property record for 20 Cedar Ct, Middletown, NY 10940

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,840 sqft · built 1988
Lot Size	0.149 acres (6,475 sqft)
Owner	Individual Name on Record
Tax Bill	$6,720 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`330900 54-2-9`

Property Details

APN / Parcel Number

Primary APN	`330900 54-2-9`
Alternative APNs	`090005400000020090000000` `0385000900` `54-2-9`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,840 sqft Living Area
1st Floor Area	938 sqft
2nd Floor Area	902 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Townhouse
Foundation Type	No Foundation
Lot Area	6,475 sqft (0.149 acres)
Lot Dimensions	175 ft deep x 37 ft wide
Porch	Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	0385000900
Street Address	20 CEDAR CT
City	MIDDLETOWN
State	NY
Zip	10940-6940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR-3B
Legal Block	2
Legal Lot Number	9.000
Jurisdiction	ORANGE NY
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1014
Census Tract	1601

Owner

Source: Orange County and Middletown City 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	Individual Name on Record
Mailing Address	20 CEDAR CT, MIDDLETOWN, NY 10940-6940
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Deed, Transfer · Stand-Alone First Mortgage NEW JERSEY LENDERS CORP
Jun 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WALDEN FEDERAL SAVINGS BANK
Aug 12, 2022	Deed, Transfer
Oct 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Dec 12, 2022
Property Address	20 CEDAR CT, MIDDLETOWN, NY 10940-6940
Document Number	0000085012
Book / Page	15347 / 1674
Instrument Date	Nov 3, 2022
Instrument	20220085012
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	SECURITY TITLE GUARANTEE CORPORATION, SECURITY TITLE GUARANTEE COR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 GOVAN DR, STONY POINT, NY 10980-2431

Mortgage

Document Number	0000085013
Date	Dec 12, 2022
Instrument	20220085013

Lender

Name	NEW JERSEY LENDERS CORP
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	20 CEDAR CT, MIDDLETOWN, NY 10940-6940
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046035
Date	Jun 21, 2022
Book Page	15257/1221
Instrument	20220046035

Lender

Name	WALDEN FEDERAL SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2032

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Aug 12, 2022
Property Address	20 CEDAR CT, MIDDLETOWN, NY 10940-6940
Document Number	0000059702
Book / Page	15290 / 441
Instrument Date	Jul 23, 2022
Instrument	20220059702
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CEDAR CT, MIDDLETOWN, NY 10940-6940

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	20 CEDAR CT, MIDDLETOWN, NY 10940-6940
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072007
Date	Oct 26, 2021
Book Page	15080/1177
Instrument	20210072007

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Orange County and Middletown City assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
Municipality	Middletown City
Unified School District	Middletown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$24,200 (-) Land $4,300 Building $19,900	$275,300 (+13.76%)
2024	$6,720.00
2023		$24,200 (-) Land $4,300 Building $19,900	$242,000 (+17.02%) Land $43,000 Building $199,000
2022		$24,200 Land $4,300 Building $19,900	$206,800 Land $36,745 Building $170,055

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 September 26, 2023 · 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	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

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	None beyond ember reach

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	MIDDLETOWN CITY serves 30,000 people · EPA ID NY3503534
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 ppb (2021–2023) 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 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Optimum.

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