287 E Main St, Middletown, NY 10940 Property Records

Orange County and Middletown City property record for 287 E Main St, Middletown, NY 10940

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,589 sqft · built 1930
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Tax Bill	$7,025 (2024)
Deeds & Mortgages	Dec 2020 Refinance Dec 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`330900 32-12-6.2`

Property Details

APN / Parcel Number

Primary APN	`330900 32-12-6.2`
Alternative APNs	`090003200000120062000000` `0650009600` `32-12-6.2`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,589 sqft Living Area
1st Floor Area	917 sqft
2nd Floor Area	672 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1941
Architectural Style	Old Style
Exterior Material	Wood
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	676 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0650009600
Street Address	287 E MAIN ST
City	MIDDLETOWN
State	NY
Zip	10940-3328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Block	12
Legal Lot Number	6.200
Jurisdiction	ORANGE NY
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3011
Census Tract	1100

Owner

Source: Orange County and Middletown City 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	287 E MAIN ST, MIDDLETOWN, NY 10940-3328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Dec 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Mar 30, 2018	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Mar 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	287 E MAIN ST, MIDDLETOWN, NY 10940-3328
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071359
Date	Dec 29, 2020
Book Page	14872/8
Instrument	20200071359

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	287 E MAIN ST, MIDDLETOWN, NY 10940-3328
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071358
Date	Dec 29, 2020
Book Page	14872/1
Instrument	20200071358

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Jan 1, 2035

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	287 E MAIN ST, MIDDLETOWN, NY 10940-3328
Document Number	0000028545
Instrument Date	Mar 30, 2018
Transaction Type	Mortgage
Record Updated	Jun 4, 2018
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 E MAIN ST MIDDLETOWN NY 109403328, MIDDLETOWN, NY 10940-3328

Mortgage

Document Number	0000028545
Date	Apr 17, 2018
Book Page	014391/000008
Instrument	28545

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	287 E MAIN ST, MIDDLETOWN, NY 10940-3328
Document Number	0000028544
Instrument Date	Mar 30, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 E MAIN ST MIDDLETOWN NY 109403328, MIDDLETOWN, NY 10940-3328

Mortgage

Document Number	0000028544
Date	Apr 17, 2018
Book Page	014391/000001
Instrument	28544

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 16, 2033

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		$25,300 (-) Land $7,900 Building $17,400	$287,800 (+13.75%)
2024	$7,025.00
2023		$25,300 (-) Land $7,900 Building $17,400	$253,000 (+17.02%) Land $79,000 Building $174,000
2022		$25,300 Land $7,900 Building $17,400	$216,200 Land $67,509 Building $148,691

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

Flood

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	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 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	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 738 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Optimum, T-Mobile.

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