241 Main St, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 241 Main St, Cold Spring, NY 10516

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,803 sqft · built 1911
Lot Size	0.149 acres (6,510 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Feb 2024)
Tax Bill	$10,268 (2024)
Deeds & Mortgages	Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372601 49.5-2-65`

Property Details

APN / Parcel Number

Primary APN	`372601 49.5-2-65`
Alternative APNs	`260104900500020650000000` `001865`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,803 sqft Living Area
Gross Area	1,911 sqft
1st Floor Area	1,021 sqft
2nd Floor Area	648 sqft
Attic	Attic
Attic Area	134 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 2024
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Lot Area	6,510 sqft (0.149 acres)
Lot Dimensions	93 ft deep x 70 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	001865
Street Address	241 MAIN ST
City	COLD SPRING
State	NY
Zip	10516-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	LAND & RESIDENCE
Legal Block	2
Legal Lot Number	65.00
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	2
Census Block	2002
Census Tract	10700

Owner

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	2 Individual Names on Record
Mailing Address	193 ROUTE 82, FISHKILL, NY 12524-3021
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2024 · Amount on Record
Deed Sale	Feb 15, 2024 · Amount on Record
Deed Document Number	2024940
Deed Book / Page	2349 / 132
Prior Transfer Date	Nov 12, 2014
Prior Transfer Doc	0019650211
Record Updated	Oct 29, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM NY
Recording Date	Feb 15, 2024
Property Address	241 MAIN ST, COLD SPRING, NY 10516-1402
Document Number	0023490132
Book / Page	2349 / 132
Instrument Date	Jan 30, 2024
Instrument	940-2024
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	RIVER CITY ABSTRACT OF HUDSO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3436 AVENUE F NW, WAHNETA, FL 33880-1823

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	193 ROUTE 82, FISHKILL, NY 12524-3021

Mortgage

Document Number	0000785447
Date	Feb 15, 2024
Instrument	7854/47

Lender

Name	SUMA YONKERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	11.8%
Index	1-Year T-Bill
Max Rate	11.8%

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		$195,100 (+18.24%) Land $41,300 Building $153,800	$636,127 (+30.16%)
2024	$10,268.00	$165,000 (-) Land $41,300 Building $123,700	$488,744 (+4.32%)
2023		$165,000 (-) Land $41,300 Building $123,700	$468,484 (+11.73%) Land $117,263 Building $351,221
2022		$165,000 Land $41,300 Building $123,700	$419,314 Land $104,956 Building $314,358

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

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	10 units insured incl. 2 condo units
Nearby Flood Claims	29 (1992–2024)
Claims Outside the SFHA	3 of 29
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jul 2023 · 2 claims Hurricane Sandy, Oct 2012 · 12 claims Hurricane Irene, Aug 2011 · 8 claims

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

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 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