23 Garden St, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 23 Garden St, Cold Spring, NY 10516

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,043 sqft · built 1900
Lot Size	0.052 acres (2,300 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Mar 2010)
Tax Bill	$9,884 (2024)
Deeds & Mortgages	Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`372601 48.8-2-24`

Property Details

APN / Parcel Number

Primary APN	`372601 48.8-2-24`
Alternative APNs	`260104800800020240000000` `004100`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,043 sqft Living Area
Gross Area	1,139 sqft
1st Floor Area	611 sqft
2nd Floor Area	224 sqft
Upper Floors Area	305 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Lot Area	2,300 sqft (0.052 acres)
Lot Dimensions	100 ft deep x 23 ft wide
View / Lot	Lake Front
Porch	Enclosed Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	004100
Street Address	23 GARDEN ST
City	COLD SPRING
State	NY
Zip	10516-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	LAND & RESIDENCE
Legal Block	2
Legal Lot Number	24.00
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	3
Census Block	3016
Census Tract	10700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cold Spring Historic District listed 1982 · 219 contributing resources · NRIS 82001235

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

23 Garden St is owned and occupied by an individual who bought it in March 2010.

Source: Putnam County and Philipstown Town records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	23 GARDEN ST, COLD SPRING, NY 10516-2804
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2010 · Amount on File
Deed Sale	Mar 2, 2010 · Amount on File
Prior Sale	Mar 2, 2010 · Amount on File
Deed Book / Page	1848 / 429
Prior Transfer Date	Aug 22, 2009
Prior Transfer Doc	0018370183
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	23 GARDEN ST, COLD SPRING, NY 10516-2804
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068650394
Date	Oct 26, 2018
Book Page	6865/394
Instrument	1602957

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	COLD SPRING, NY 10516

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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
Municipality	Cold Spring Village
Unified School District	Haldane Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$155,775 Land $26,000 Building $129,775	$507,907
2024	$9,884.00
2023		$155,775 (-) Land $26,000 Building $129,775	$442,291 (+11.73%) Land $73,822 Building $368,469
2022		$155,775 Land $26,000 Building $129,775	$395,870 Land $66,074 Building $329,796

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 23 Garden St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2011.

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.

Wildfire

Wildfire risk around 23 Garden St is low, with 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 447 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