Rockland County and Ramapo Town property record for 20 Ross Ave, Spring Valley, NY 10977
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,016 sqft · built 1966 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $510,000 (Jun 2019) |
| Deeds & Mortgages | Dec 2025 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 392615 63.18-1-25 |
| Primary APN | 392615 63.18-1-25 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,016 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Year Built | Built 1966 |
|---|---|
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Basement |
| Porch | Porch |
| Porch Area | 256 sqft |
| Patio Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00409440000 |
|---|---|
| Old Parcel Number | 261506301800010250000000 |
| Street Address | 20 ROSS AVE |
| City | SPRING VALLEY |
| State | NY |
| Zip | 10977-6910 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGLE RESIDENCE |
| Legal Description | 1/18/78 |
| Legal Subdivision | DEXTER PARK IN PASCACK |
| Legal Block | 1 |
| Legal Lot Number | 25.000 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | RAMAPO |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 12504 |
20 Ross Ave is owned and occupied by two individuals who bought it in June 2019.
Source: Rockland County and Ramapo Town records, as of December 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 ROSS AVE, SPRING VALLEY, NY 10977-6910 |
| 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 |
|---|---|
| Dec 5, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Feb 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FM HOME LOANS LLC |
| Feb 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FM HOME LOANS LLC |
| Jun 28, 2019 | Grant Deed, Transfer · Conventional with PMI FM HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2019 · Amount on File |
| Deed Sale | Jun 28, 2019 · Amount on File |
| Prior Sale | Aug 22, 2008 · Amount on File |
| Deed Document Number | 0201917892 |
| Deed Book / Page | 2019 / 17892 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 20 ROSS AVE, SPRING VALLEY, NY 10977-6910 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000037930 |
|---|---|
| Date | Dec 5, 2025 |
| Instrument | 2025-00037930 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 24, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 20 ROSS AVE, SPRING VALLEY, NY 10977-6910 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000004030 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 2021-00004030 |
| Name | FM HOME LOANS LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 20 ROSS AVE, SPRING VALLEY, NY 10977-6910 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000004029 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 2021-00004029 |
| Name | FM HOME LOANS LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Jun 28, 2019 |
| Property Address | 20 ROSS AVE, SPRING VALLEY, NY 10977-6910 |
| Document Number | 0000017892 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 17892 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2019 |
| Title Company | JADE NY TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,040.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 108 ASHLEY AVE LAKEWOOD NJ 087014211, LAKEWOOD, NJ 08701-4211 |
| Document Number | 17893 |
|---|---|
| Date | Jun 28, 2019 |
| Instrument | 17893 |
| Name | FM HM LOANS |
|---|---|
| Address | BROOKLYN, NY 11210 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 27, 2049 |
Source: Rockland County and Ramapo Town assessment roll, as of May 31, 2024
| Type | Name |
|---|---|
| State | New York |
| County | Rockland County |
| County Subdivision | Ramapo Town |
| Municipality | Chestnut Ridge Village |
| Unified School District | East Ramapo Central School District (Spring Valley) (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2024 | $58,000 (-) Land $16,800 Building $41,200 | $747,423 (+1,154.07%) Land $216,495 Building $530,928 |
| 2023 | $58,000 Land $16,800 Building $41,200 | $59,600 Land $17,263 Building $42,337 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 20 Ross Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
Source: FEMA National Flood Hazard Layer, effective August 19, 2025 · 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 | 4 in force |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 Ross Ave is low, with less than 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 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VEOLIA WATER NEW YORK private · serves 270,000 people · EPA ID NY4303673 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2023 |
| Lead | 3 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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