20 Terry Rd, Monroe, NY 10950 Property Records

Orange County and Monroe Town property record for 20 Terry Rd, Monroe, NY 10950

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,194 sqft · built 1996
Lot Size	1.97 acres (85,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Sep 2017)
Tax Bill	$15,409 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2025 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`334089 7-2-43`

Property Details

APN / Parcel Number

Primary APN	`334089 7-2-43`
Alternative APNs	`408900700000020430000000` `7-2-43`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,194 sqft Living Area
Gross Area	3,812 sqft
1st Floor Area	1,144 sqft
2nd Floor Area	1,050 sqft
Upper Floors Area	240 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	85,999 sqft (1.97 acres)
View / Lot	Suburban
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	704 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7-2-43
Street Address	20 TERRY RD
City	MONROE
State	NY
Zip	10950-4767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-1.0AC
Legal Description	LT 3 NEW GEN MAP 155-95 INT CEDAR CLIFF & MINE
Legal Subdivision	NEW GEN CONSTRUCTION INC
Legal Block	2
Legal Lot Number	43.00
Jurisdiction	ORANGE NY
Township / Civil Division	MONROE
Census Block Group	4
Census Block	4014
Census Tract	14202

Owner

Source: Orange County and Monroe Town records, as of July 7, 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 Record
Mailing Address	20 TERRY RD, MONROE, NY 10950-4767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 2, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jul 10, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Apr 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Sep 25, 2017	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2017 · Amount on Record
Deed Sale	Sep 25, 2017 · Amount on Record
Prior Sale	Jan 23, 1997 · Amount on Record
Deed Book / Page	14294 / 1833
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Recording Date	Jun 17, 2026
Property Address	20 TERRY RD, MONROE, NY 10950-4767
Document Number	0000043795
Book / Page	15908 / 241
Instrument Date	Jun 5, 2026
Instrument	202643795
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 TERRY RD, MONROE, NY 10950-4767

Mortgage

Document Number	0000043795,
Date	Jun 17, 2026
Book Page	15908/241
Instrument	202643795

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	20 TERRY RD, MONROE, NY 10950-4767
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064557
Date	Oct 2, 2025
Book Page	15799/1234
Instrument	20250064557

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	20 TERRY RD, MONROE, NY 10950-4767
Transaction Type	Mortgage
Record Updated	Aug 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042128
Date	Jul 10, 2023
Book Page	15442/1521
Instrument	20230042128

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	20 TERRY RD, MONROE, NY 10950-4767
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026048
Date	Apr 5, 2022
Book Page	15199/1352
Instrument	20220026048

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE NY
Recording Date	Sep 25, 2017
Property Address	20 TERRY RD, MONROE, NY 10950-4767
Document Number	0000068253
Book / Page	014294 / 001833
Instrument Date	Aug 29, 2017
Instrument	68253
Transaction Type	Transfer
Record Updated	Sep 29, 2017
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO.

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,780.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	29 POST RD MONROE NY 109503637, MONROE, NY 10950-3637

Mortgage

Document Number	68254
Date	Sep 25, 2017
Book Page	014294/001839
Instrument	68254

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Orange County
County Subdivision	Monroe Town
Unified School District	Monroe-Woodbury Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$81,600 (-) Land $22,500 Building $59,100	$754,900 (+13.42%)
2024	$15,409.00
2023		$81,600 Land $22,500 Building $59,100	$665,600 Land $183,529 Building $482,071

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

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	5 in force
Nearby Flood Claims	13 (1979–2011)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

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	Direct burnable vegetation

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	WALTON LAKE ESTATES W.D. serves 768 people · EPA ID NY3503525
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Frontier Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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