21 Stephens Rd, Tappan, NY 10983 Property Records

Rockland County and Orangetown Town property record for 21 Stephens Rd, Tappan, NY 10983

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,272 sqft · built 1912
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (Apr 2026)
Tax Bill	$9,085 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`392489 77.10-3-52`

Property Details

APN / Parcel Number

Primary APN	`392489 77.10-3-52`
Alternative APNs	`392489-077-010-0003-052-000-000` `248907701000030520000000` `0025503`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,272 sqft Living Area
Gross Area	1,368 sqft
1st Floor Area	696 sqft
2nd Floor Area	576 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Porch	Enclosed Porch
Porch Area	405 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0025503
Street Address	21 STEPHENS RD
City	TAPPAN
State	NY
Zip	10983-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	60/47/441/5
Legal Block	3
Legal Lot Number	52.0
Jurisdiction	ROCKLAND NY
Township / Civil Division	ORANGETOWN
Census Block Group	3
Census Block	3021
Census Tract	13401

Owner

Source: Rockland County and Orangetown Town records · APN 392489 77.10-3-52

Assessment roll updated May 16, 2025 · Last verified July 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	50 N BROADWAY, 3, NYACK, NY 10960-2649
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Prior Sale	Apr 09, 2025 · Amount on Record
Deed Document Number	202613602
Record Updated	Sep 20, 2026

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ROCKLAND NY
Recording Date	Apr 22, 2026
Property Address	21 STEPHENS RD, TAPPAN, NY 10983-2314
Document Number	0000013602
Instrument Date	Apr 03, 2026
Instrument	202613602
Transaction Type	Transfer
Record Updated	Jul 06, 2026
Title Company	ROC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$199,980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	50 N BROADWAY, 3, NYACK, NY 10960-2649
Investor	Possibly a Property Investor

Mortgage

Date	Apr 22, 2026

Lender

Name	E HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

Tax Assessment & Valuation

Source: Rockland County and Orangetown Town records · Assessment roll updated May 16, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New York
County	Rockland County
County Subdivision	Orangetown Town
Unified School District	South Orangetown Central School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,085.00 (-8.1%)
2024		$125,900 (-) Land $50,800 Building $75,100	$368,776 (+4.36%)
2023	$9,886.00	$125,900 Land $50,800 Building $75,100	$353,354 Land $142,577 Building $210,777

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 19, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	38 (1979–2021)
Claims Outside the SFHA	15 of 38
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 6 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 7 claims

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 396 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VEOLIA WATER NEW YORK private · serves 270,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.