20 Windy Rdg, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 20 Windy Rdg, Cold Spring, NY 10516

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,927 sqft · built 1966
Lot Size	4 acres (174,240 sqft)
Owner	2 Company Names on Record
Last Sale	$5,720,000 (May 2022)
Tax Bill	$60,221 (2024)
Deeds & Mortgages	Jun 2022 Mortgage May 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`372689 49.6-2-10`

Property Details

APN / Parcel Number

Primary APN	`372689 49.6-2-10`
Alternative APN	`268904900600020100000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,927 sqft Living Area
Gross Area	5,991 sqft
1st Floor Area	3,111 sqft
2nd Floor Area	1,816 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2020
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	174,240 sqft (4 acres)
Lot Width	30 ft Width
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,064 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	2,318 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 WINDY RDG
City	COLD SPRING
State	NY
Zip	10516-3507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Description	LAND & RESIDENCE
Legal Subdivision	OPEN DEVELOPMENT AREA SUBDIVISION
Legal Block	2
Legal Lot Number	10.00
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	2
Census Block	2027
Census Tract	10600

Owner

Source: Putnam County and Philipstown Town records, 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 Company Names on Record
Mailing Address	20 WINDY RDG, COLD SPRING, NY 10516-3507
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
May 16, 2022	Bargain and Sale Deed, Transfer
Jan 19, 2018	Bargain and Sale Deed, Transfer · ARM BNY MELLON NA
May 24, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2022 · Amount on Record
Deed Sale	May 16, 2022 · Amount on Record
Prior Sale	Jan 19, 2018 · Amount on Record
Deed Document Number	20224725
Deed Book / Page	2272 / 263
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	20 WINDY RDG, COLD SPRING, NY 10516-3507
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 WINDY RDG, COLD SPRING, NY 10516-3507

Mortgage

Document Number	0076670266
Date	Jun 21, 2022
Book Page	7667/266
Instrument	5861-2022

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2020
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	7.62%

May 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	May 16, 2022
Property Address	20 WINDY RDG, COLD SPRING, NY 10516-3507
Document Number	0022720263
Book / Page	2272 / 263
Instrument Date	May 5, 2022
Instrument	4725-2022
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Tax	$22,880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 N SURFSIDE AVE, MONTAUK, NY 11954-5358

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3987 CLEARY RD, CLINTON, NY 13323-4113

January 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Jan 19, 2018
Property Address	20 WINDY RDG, COLD SPRING, NY 10516-3507
Document Number	0020680069
Book / Page	2068 / 069
Instrument Date	Dec 18, 2017
Instrument	1500197
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	THOROUGHBRED TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$287.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 PARK AVE, 200, NEW YORK, NY 10166-0005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 MAIN ST, NELSONVILLE, NY 10516-1400

Mortgage

Document Number	0001600222
Date	Jan 19, 2018
Instrument	1600222

Lender

Name	BNY MELLON NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PUTNAM NY
Recording Date	May 24, 2017
Property Address	20 WINDY RDG, COLD SPRING, NY 10516-3507
Document Number	0020450047
Book / Page	002045 / 000047
Instrument Date	Mar 1, 2017
Instrument	1501273
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	301 N MARKET ST FARMERS BANK # WILMINGTON DE 19801, WILMINGTON, DE 19801

Tax Assessment & Valuation

Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Putnam County
County Subdivision	Philipstown Town
Unified School District	Haldane Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,066,900 (-) Land $140,000 Building $926,900	$3,478,644 (+14.84%)
2024	$60,221.00
2023		$1,066,900 (-) Land $140,000 Building $926,900	$3,029,245 (+11.73%) Land $397,501 Building $2,631,744
2022		$1,066,900 Land $140,000 Building $926,900	$2,711,309 Land $355,781 Building $2,355,528

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · 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	9 in force
Nearby Flood Claims	6 (2007–2011)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 4 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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)
Optimum Fiber · Cable	8,000 / 8,000

May also be available: Verizon.

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