20 Split Rock Dr, Chester, NY 10918 Property Records

Orange County and Chester Town property record for 20 Split Rock Dr, Chester, NY 10918

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,282 sqft · built 1991
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Jun 2018)
Tax Bill	$16,041 (2024)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`332289 16-2-11`

Property Details

APN / Parcel Number

Primary APN	`332289 16-2-11`
Alternative APNs	`228901600000020110000000` `16-2-11`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,282 sqft Living Area
Gross Area	4,164 sqft
1st Floor Area	1,362 sqft
2nd Floor Area	1,344 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	47,916 sqft (1.1 acres)
View / Lot	Rural
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	750 sqft
Shed	1 Shed
Shed Area	8,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	16-2-11
Street Address	20 SPLIT ROCK DR
City	CHESTER
State	NY
Zip	10918-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR3
Legal Description	LT 26 OSTRER SUB MAP 9239
Legal Subdivision	OSTRER
Legal Block	2
Legal Lot Number	11.00
Jurisdiction	ORANGE NY
Township / Civil Division	CHESTER
Census Block Group	1
Census Block	1036
Census Tract	14302

Owner

Source: Orange County and Chester Town assessment roll, 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	2 Individual Names on File
Mailing Address	20 SPLIT ROCK DR, CHESTER, NY 10918-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit VALLEY NATIONAL BANK
Jun 26, 2018	Deed, Transfer VALLEY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Deed Document Number	201846554
Deed Book / Page	14421 / 1996
Prior Transfer Date	Apr 15, 2016
Prior Transfer Doc	0000028927
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	20 SPLIT ROCK DR, CHESTER, NY 10918-1708
Transaction Type	Mortgage
Record Updated	Sep 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061447
Date	Aug 23, 2022
Book Page	15293/1905
Instrument	20220061447

Lender

Name	VALLEY NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Jun 26, 2018
Property Address	20 SPLIT ROCK DR, CHESTER, NY 10918-1708
Document Number	0000046554
Book / Page	14421 / 1996
Instrument Date	Jun 22, 2018
Instrument	20180046554
Transaction Type	Transfer
Record Updated	Apr 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1827 BOGART AVE, BRONX, NY 10462-3703

Mortgage

Document Number	0000046555
Date	Jun 26, 2018
Book Page	0000014422/0000000001
Instrument	20180046555

Lender

Name	VALLEY NATIONAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$256,900 (-4.8%) Land $51,000 Building $205,900	$703,300 (+2.99%)
2024	$16,041.00 (+168.65%)	$269,864 (-) Land $51,000 Building $218,864	$682,900 (+3.75%)
2023		$269,864 Land $51,000 Building $218,864	$658,200 Land $124,389 Building $533,811
2021	$5,971.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	5 (1979–2018)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jul 2018 · river or lake flooding

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 66% of the US · above 98.2% of New York
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Court Square Capital Partners Fiber	1,000 / 1,000
Optimum Communications Cable · Fiber in parts of the area	940 / 35
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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