231 Union St, Montgomery, NY 12549 Property Records

Orange County and Montgomery Town property record for 231 Union St, Montgomery, NY 12549

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,082 sqft · built 1974
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Dec 2021)
Tax Bill	$8,378 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`212-1-19.11`

Property Details

APN / Parcel Number

Primary APN	`212-1-19.11`
Alternative APNs	`420321200000010191100000` `334203 212-1-19.11`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,082 sqft Living Area
1st Floor Area	1,082 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	135 ft deep x 90 ft wide
View / Lot	Urban
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	144 sqft
Patio Area	40 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	212-1-19.11
Street Address	231 UNION ST
City	MONTGOMERY
State	NY
Zip	12549-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Block	1
Legal Lot Number	19.11
Jurisdiction	ORANGE NY
Township / Civil Division	MONTGOMERY
Census Block Group	3
Census Block	3008
Census Tract	10802

Owner

231 Union St is owned and occupied by an individual who bought it in December 2021.

Source: Orange County and Montgomery Town records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	231 UNION ST, MONTGOMERY, NY 12549-1314
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	Dec 1, 2021 · Amount on File
Deed Sale	Dec 1, 2021 · Amount on File
Prior Sale	Sep 1, 1999 · Amount on File
Deed Document Number	202180201
Deed Book / Page	15103 / 445
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Dec 1, 2021
Property Address	231 UNION ST, MONTGOMERY, NY 12549-1314
Document Number	0000080201
Book / Page	15103 / 445
Instrument Date	Sep 8, 2021
Instrument	20210080201
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
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	231 SPRUCE ST, NEW WINDSOR, NY 12553-7317

Mortgage

Document Number	0000080202
Date	Dec 1, 2021
Instrument	20210080202

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Orange County and Montgomery Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
County Subdivision	Montgomery Town
Municipality	Montgomery Village
Unified School District	Valley Central School District (Montgomery) (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$133,700 (-) Land $31,300 Building $102,400	$361,400 (+8.11%)
2024	$8,378.00	$133,700 (-) Land $31,300 Building $102,400	$334,300 (+5.03%)
2023		$133,700 (+3%) Land $31,300 Building $102,400	$318,300 (+20.16%) Land $74,516 Building $243,784
2022		$129,800 Land $31,300 Building $98,500	$264,900 Land $63,878 Building $201,022

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.

Flood

FEMA maps place 231 Union St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective September 26, 2023 · 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	2 (1981)
Most Recent Claim	Oct 1981 · rainfall accumulation

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 231 Union 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	None beyond 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	MONTGOMERY VILLAGE serves 4,519 people · EPA ID NY3503542
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	6 ppb (2025) 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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20