Rockland County and Ramapo Town property record for 22 Sterling Rd, Spring Valley, NY 10977
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,254 sqft · built 1970 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $860,000 (Sep 2026) |
| Tax Bill | $16,436 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 392615 63.6-1-35 |
| Primary APN | 392615 63.6-1-35 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,254 sqft Living Area |
| 1st Floor Area | 1,529 sqft |
| Basement Area | 725 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Raised Ranch |
| Exterior Material | Composition |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 306 ft deep x 262 ft wide |
| View / Lot | Suburban |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 321 sqft |
| Patio Area | 672 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00392690000 |
|---|---|
| Street Address | 22 STERLING RD |
| City | SPRING VALLEY |
| State | NY |
| Zip | 10977-6213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | STERLING ACRES SEC 02 |
| Legal Block | 1 |
| Legal Lot Number | 35.0 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | RAMAPO |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 12503 |
22 Sterling Rd is owned and occupied by two individuals who bought it in September 2026.
Source: Rockland County and Ramapo Town records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22 STERLING RD, SPRING VALLEY, NY 10977-6213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed, Transfer · Conventional Mortgage FM HOME LOANS LLC |
| Jun 18, 2018 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2026 · Amount on File |
| Deed Sale | Sep 8, 2026 · Amount on File |
| Prior Sale | Nov 1, 1999 · Amount on File |
| Deed Document Number | 202630817 |
| Prior Transfer Date | Oct 23, 2002 |
| Prior Transfer Doc | 0000065246 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Sep 8, 2026 |
| Property Address | 22 STERLING RD, SPRING VALLEY, NY 10977-6213 |
| Document Number | 0000030817 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202630817 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2026 |
| Title Company | JD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $347,440.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 STERLING RD, SPRING VALLEY, NY 10977-6213 |
| Date | Sep 8, 2026 |
|---|
| Name | FM HOME LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 22 STERLING RD, SPRING VALLEY, NY 10977-6213 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000017637 |
|---|---|
| Date | Jun 18, 2018 |
| Instrument | 2018-00017637 |
| Name | JP MORGAN CHASE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 22 Sterling Rd was $16,436, up 2.1% from the year before.
Source: Rockland County and Ramapo Town assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | New York |
| County | Rockland County |
| County Subdivision | Ramapo Town |
| Municipality | Chestnut Ridge Village |
| Unified School District | East Ramapo Central School District (Spring Valley) (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $16,436.00 (+2.11%) | $64,100 (-) Land $18,900 Building $45,200 | $64,100 (-) Land $18,900 Building $45,200 |
| 2024 | $16,097.00 Homeowner's exemption | $64,100 (-) Land $18,900 Building $45,200 | $64,100 (-) Land $18,900 Building $45,200 |
| 2023 | $64,100 Land $18,900 Building $45,200 | $64,100 Land $18,900 Building $45,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 22 Sterling Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 risk around 22 Sterling Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 161 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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