20 White St, Spring Valley, NY 10977 Property Records

Rockland County and Clarkstown Town property record for 20 White St, Spring Valley, NY 10977

Property Summary

Property Type	Duplex
Details	2 ba · 1,800 sqft · built 1964
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$180,250 (May 2001)
Deeds & Mortgages	Jul 2017 Mortgage Jul 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`392003 57.48-1-5`

Property Details

APN / Parcel Number

Primary APN	`392003 57.48-1-5`
Alternative APNs	`200305704800010050000000` `7B1.5`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,800 sqft Total Area
1st Floor Area	936 sqft
2nd Floor Area	864 sqft
Game Room	Game Room

Exterior

Year Built	Built 1964
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	120 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	7B1.5
Old Parcel Number	200305704800010050000000
Street Address	20 WHITE ST
City	SPRING VALLEY
State	NY
Zip	10977-5193
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI-FAMILY
Legal Description	7-B-1.5
Legal Subdivision	LENORE HEIGHTS SUBDIVISION
Legal Block	1
Legal Lot Number	5.000
Jurisdiction	ROCKLAND NY
Township / Civil Division	CLARKSTOWN
Census Block Group	1
Census Block	1013
Census Tract	11304

Owner

Source: Rockland County and Clarkstown Town records, as of December 26, 2025

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 WHITE ST, SPRING VALLEY, NY 10977-5193
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Jul 5, 2017	Loan Modification, Mortgage · Line of Credit M&T BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2001 · Amount on Record
Deed Sale	May 10, 2001 · Amount on Record
Deed Document Number	2001-00021265
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKLAND NY
Property Address	20 WHITE ST, SPRING VALLEY, NY 10977-5193
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023659
Date	Jul 26, 2017
Instrument	2017-00023659

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2032

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ROCKLAND NY
Property Address	20 WHITE ST, SPRING VALLEY, NY 10977-5193
Document Number	0000023660
Instrument Date	Jul 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 WHITE ST SPRING VALLEY NY 109775193, SPRING VALLEY, NY 10977-5193

Mortgage

Document Number	0000023660
Date	Jul 26, 2017
Instrument	23660

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 25, 2032

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

Source: Rockland County and Clarkstown Town assessment roll, as of May 31, 2024

Property Jurisdictions

Type	Name
State	New York
County	Rockland County
County Subdivision	Clarkstown Town
Municipality	Spring Valley Village
Unified School District	East Ramapo Central School District (Spring Valley) (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2024	$83,700 (-) Land $15,000 Building $68,700	$1,928,571 (+2,019.31%) Land $345,622 Building $1,582,949
2023	$83,700 Land $15,000 Building $68,700	$91,000 Land $16,308 Building $74,692

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 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	3 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 99.1% of the US · lower than 99.2% 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.

Drinking Water

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

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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300

May also be available: T-Mobile.

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