Orange County and Montgomery Town property record for 20 Elm St, Walden, NY 12586
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,240 sqft · built 1920 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $129,000 (Jul 2018) |
| Tax Bill | $4,952 (2024) |
| Deeds & Mortgages | Jul 2018 Sale & Mortgage Aug 2017 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 334205 309-12-6 |
| Primary APN | 334205 309-12-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,240 sqft Living Area |
| Gross Area | 1,492 sqft |
| 1st Floor Area | 665 sqft |
| 2nd Floor Area | 575 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Old Style |
| Exterior Material | Composition/Composite |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| View / Lot | Urban |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 300 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 309-12-6 |
|---|---|
| Street Address | 20 ELM ST |
| City | WALDEN |
| State | NY |
| Zip | 12586-1806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B3 |
| Legal Description | LTS 102<103 THOMAS HEPPER |
| Legal Subdivision | THOMAS HEPPER |
| Legal Block | 12 |
| Legal Lot Number | 6.000 |
| Jurisdiction | ORANGE NY |
| Township / Civil Division | MONTGOMERY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 10702 |
20 Elm St is owned and occupied by an individual who bought it in July 2018.
Source: Orange County and Montgomery Town records, as of April 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 ELM ST, WALDEN, NY 12586-1806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jul 26, 2018 | Grant Deed, Transfer · Conventional with PMI HOMEAMERICA LNDG |
| Aug 9, 2017 | Grant Deed, Construction Loan · Line of Credit OTHER INSTITUTIONAL LENDERS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2018 · Amount on File |
| Deed Sale | Jul 26, 2018 · Amount on File |
| Prior Sale | Aug 9, 2017 · Amount on File |
| Deed Document Number | 201854312 |
| Deed Book / Page | 14436 / 1910 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE NY |
| Recording Date | Jul 26, 2018 |
| Property Address | 20 ELM ST, WALDEN, NY 12586-1806 |
| Document Number | 0000054312 |
| Book / Page | 014436 / 001910 |
| Instrument Date | Jul 5, 2018 |
| Instrument | 54312 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $516.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 51 JOSHUA DR BLOOMINGBURG NY 127213100, BLOOMINGBURG, NY 12721-3100 |
| Document Number | 54313 |
|---|---|
| Date | Jul 26, 2018 |
| Book Page | 014436/001914 |
| Instrument | 54313 |
| Name | HOMEAMERICA LNDG |
|---|---|
| Address | PATCHOGUE, NY 11772 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 25, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE NY |
| Recording Date | Aug 9, 2017 |
| Property Address | 20 ELM ST, WALDEN, NY 12586-1806 |
| Document Number | 0000056280 |
| Book / Page | 014271 / 001448 |
| Instrument Date | Jun 5, 2017 |
| Instrument | 56280 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 23, 2018 |
| Title Company | RIVER CITY ABSTRACT LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $234.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3516 WINER RD NORTH PORT FL 342888268, NORTH PORT, FL 34288-8268 |
| Document Number | 56281 |
|---|---|
| Date | Aug 9, 2017 |
| Book Page | 014271/001452 |
| Instrument | 56281 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Address | SOUTH WINDSOR, CT 06074 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 8, 2018 |
| Rate Type | Adjustable Rate |
|---|
Source: Orange County and Montgomery Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Orange County |
| County Subdivision | Montgomery Town |
| Municipality | Walden Village |
| Unified School District | Valley Central School District (Montgomery) (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $69,000 Land $12,800 Building $56,200 | $186,500 | |
| 2024 | $4,952.00 | ||
| 2023 | $69,000 (-) Land $12,800 Building $56,200 | $164,300 (+16.69%) Land $30,479 Building $133,821 | |
| 2022 | $69,000 Land $12,800 Building $56,200 | $140,800 Land $26,119 Building $114,681 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Elm 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 20 Elm 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WALDEN VILLAGE serves 7,007 people · EPA ID NY3503559 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 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 | 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.
Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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