Putnam County and Philipstown Town property record for 224 Main St, Cold Spring, NY 10516
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,084 sqft · built 1887 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $450,000 (Jun 2017) |
| Tax Bill | $20,305 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage Sep 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372601 49.5-2-30.1 |
| Primary APN | 372601 49.5-2-30.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,084 sqft Living Area |
| Gross Area | 3,336 sqft |
| 1st Floor Area | 1,818 sqft |
| 2nd Floor Area | 1,266 sqft |
| Basement Area | 1,296 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1887 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Old Style |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 125 ft deep x 146 ft wide |
| Garage Type | Detached |
| Garage Area | 824 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 350 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 032750 |
|---|---|
| Street Address | 224 MAIN ST |
| City | COLD SPRING |
| State | NY |
| Zip | 10516-2003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | LAND & SCHOOL |
| Legal Block | 2 |
| Legal Lot Number | 30.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | PHILIPSTOWN |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 10700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 224 MAIN ST, COLD SPRING, NY 10516-2003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VAST BANK NA |
| Sep 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage VALLEY NATIONAL BANK |
| Oct 27, 2017 | Deed of Trust, Mortgage · Line of Credit VALLEY NATIONAL BANK |
| Jun 6, 2017 | Trustee's Deed, Transfer THOROUGHBRED TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 6, 2017 · Amount on Record |
| Deed Sale | Jun 6, 2017 · Amount on Record |
| Prior Sale | May 23, 2016 · Amount on Record |
| Deed Document Number | 20171501347 |
| Deed Book / Page | 2045 / 387 |
| Prior Transfer Date | Nov 20, 1995 |
| Prior Transfer Doc | 1316000271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 224 MAIN ST, COLD SPRING, NY 10516-2003 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2021 |
| Title Company | NOT AVAILABLE, DATATRACE TITLE |
| Name | Verified Name |
|---|---|
| Address | 224 MAIN ST, COLD SPRING, NY 10516-2003 |
| Document Number | 0074960001 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 7496/1 |
| Instrument | 12435-2021 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Sep 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 224 MAIN ST, COLD SPRING, NY 10516-2003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NEW YORK METRO TTL AGCY INC |
| Name | Verified Name |
|---|
| Document Number | 0069700125 |
|---|---|
| Date | Sep 25, 2019 |
| Book Page | 6970/125 |
| Instrument | 13789-2019 |
| Name | VALLEY NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Jul 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 224 MAIN ST, COLD SPRING, NY 10516-2003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067680278 |
|---|---|
| Date | Oct 27, 2017 |
| Book Page | 6768/278 |
| Instrument | 1603731 |
| Name | VALLEY NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Jun 6, 2017 |
| Property Address | 224 MAIN ST, COLD SPRING, NY 10516-2003 |
| Document Number | 0020450387 |
| Book / Page | 002045 / 000387 |
| Instrument Date | May 26, 2017 |
| Instrument | 1501347 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2017 |
| Title Company | THOROUGHBRED TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,807.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 297 DENNYTOWN RD PUTNAM VALLEY NY 105791411, PUTNAM VALLEY, NY 10579-1411 |
Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Philipstown Town |
| Municipality | Cold Spring Village |
| Unified School District | Haldane Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $320,000 (-) Land $60,000 Building $260,000 | $1,043,365 (+14.84%) | |
| 2024 | $20,305.00 | ||
| 2023 | $320,000 (-) Land $60,000 Building $260,000 | $908,575 (+11.73%) Land $170,358 Building $738,217 | |
| 2022 | $320,000 Land $60,000 Building $260,000 | $813,215 Land $152,478 Building $660,737 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 9 (2011–2024) |
| Claims Outside the SFHA | 6 of 9 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
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.
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 | Indirect within ember reach |
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 | COLD SPRING VILLAGE serves 2,666 people · EPA ID NY3903652 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory currently in violation since Oct 2024 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 203 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fixed Wireless | 300 / 20 |
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