232 Phillips St, Middletown, NY 10940 Property Records

Orange County and Middletown City property record for 232 Phillips St, Middletown, NY 10940

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,240 sqft · built 1923
Lot Size	0.127 acres (5,550 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Sep 2018)
Tax Bill	$6,748 (2024)
Deeds & Mortgages	Oct 2020 Refinance Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`330900 37-1-58`

Property Details

APN / Parcel Number

Primary APN	`330900 37-1-58`
Alternative APNs	`090003700000010580000000` `1640005300` `37-1-58`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,240 sqft Living Area
Gross Area	2,450 sqft
1st Floor Area	1,120 sqft
2nd Floor Area	1,120 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1936
Architectural Style	Old Style
Exterior Material	Wood
Lot Area	5,550 sqft (0.127 acres)
Lot Dimensions	111 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	340 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1640005300
Street Address	232 PHILLIPS ST
City	MIDDLETOWN
State	NY
Zip	10940-3303
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-1
Legal Block	1
Legal Lot Number	58.00
Jurisdiction	ORANGE NY
Township / Civil Division	MIDDLETOWN
Census Block Group	2
Census Block	2001
Census Tract	1500

Owner

232 Phillips St, a duplex, is owned by an individual who bought it in September 2018.

Source: Orange County and Middletown City records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	232 PHILLIPS ST, A, MIDDLETOWN, NY 10940-3303
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

Date	Document
Oct 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON VALLEY FCU
Dec 6, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Sep 7, 2018	Grant Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2018 · Amount on File
Deed Sale	Sep 7, 2018 · Amount on File
Deed Document Number	201864971
Deed Book / Page	14456 / 1759
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	232 PHILLIPS ST, MIDDLETOWN, NY 10940-3303
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058210
Date	Oct 29, 2020
Book Page	14833/195
Instrument	20200058210

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	232 PHILLIPS ST, MIDDLETOWN, NY 10940-3303
Document Number	0000087056
Instrument Date	Dec 6, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 PHILLIPS ST MIDDLETOWN NY 109403303, MIDDLETOWN, NY 10940-3303

Mortgage

Document Number	0000087056
Date	Dec 16, 2019
Book Page	014672/000531
Instrument	87056

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE NY
Recording Date	Sep 7, 2018
Property Address	232 PHILLIPS ST, MIDDLETOWN, NY 10940-3303
Document Number	0000064971
Book / Page	014456 / 001759
Instrument Date	Aug 28, 2018
Instrument	64971
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	OMEGA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 UNDERHILL AVE #2 MIDDLETOWN NY 10940, 2, MIDDLETOWN, NY 10940

Mortgage

Document Number	64972
Date	Sep 7, 2018
Book Page	014456/001764
Instrument	64972

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 6, 2048

Tax Assessment & Valuation

Source: Orange County and Middletown City assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
Municipality	Middletown City
Unified School District	Middletown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$24,300 Land $5,800 Building $18,500	$276,500
2024	$6,748.00
2023		$24,300 (-) Land $5,800 Building $18,500	$243,000 (+17%) Land $58,000 Building $185,000
2022		$24,300 Land $5,800 Building $18,500	$207,700 Land $49,574 Building $158,126

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 232 Phillips St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.

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	2 in force
Nearby Flood Claims	4 (2011–2023)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Dec 2023 · 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 232 Phillips St 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 93% of the US · lower than 89% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MIDDLETOWN CITY serves 30,000 people · EPA ID NY3503534
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 ppb (2021–2023) 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 487 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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