3 Centennial Dr, Garnerville, NY 10923 Property Records

Rockland County and Haverstraw Town property record for 3 Centennial Dr, Garnerville, NY 10923

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,092 sqft · built 1967
Lot Size	0.289 acres (12,632 sqft)
Owner	2 Individual Names on File
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`392289 20.18-1-30`

Property Details

APN / Parcel Number

Primary APN	`392289 20.18-1-30`
Alternative APNs	`228902001800010300000000` `0010164`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,092 sqft Living Area
1st Floor Area	1,164 sqft
Basement Area	928 sqft
Finished Basement	928 sqft

Exterior

Year Built	Built 1967
Architectural Style	Raised Ranch
Exterior Material	Composition/Composite
Lot Area	12,632 sqft (0.289 acres)
Porch	Open Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0010164
Old Parcel Number	228902001800010300000000
Street Address	3 CENTENNIAL DR
City	GARNERVILLE
State	NY
Zip	10923-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	49.A-2-2
Legal Subdivision	CENTENNIAL ESTATES HAVERSTRAW
Legal Block	1
Legal Lot Number	30.000
Jurisdiction	ROCKLAND NY
Township / Civil Division	HAVERSTRAW
Census Block Group	1
Census Block	1007
Census Tract	10501

Owner

Source: Rockland County and Haverstraw Town records · APN 392289 20.18-1-30

Assessment roll updated May 31, 2024 · Last verified January 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 File
Mailing Address	3 CENTENNIAL DR, GARNERVILLE, NY 10923-1105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKLAND NY
Property Address	3 CENTENNIAL DR, GARNERVILLE, NY 10923-1105
Document Number	0000010446
Instrument Date	Mar 11, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 CENTENNIAL DR GARNERVILLE NY 109231105, GARNERVILLE, NY 10923-1105

Mortgage

Document Number	0000010446
Date	Mar 30, 2020
Instrument	10446

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

Tax Assessment & Valuation

Source: Rockland County and Haverstraw Town records · Assessment roll updated May 31, 2024 · Last verified January 2026

Property Jurisdictions

Type	Name
State	New York
County	Rockland County
County Subdivision	Haverstraw Town
Unified School District	Haverstraw-Stony Point Central School District (North Rockland) (PK - 12)

Tax Bill & Assessment History

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

Year	Assessed Value	Assessed Market Value
2024	$288,500 (-) Land $109,200 Building $179,300	$495,194 (+5.2%) Land $187,436 Building $307,758
2023	$288,500 Land $109,200 Building $179,300	$470,713 Land $178,169 Building $292,544

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rockland County (36087C), updated August 19, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360870105011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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	9 (1979–1999)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 402 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	VEOLIA WATER NEW YORK private · serves 270,000 people
Water Source	Surface water
Last State Inspection	Mar 2023
Lead	3 ppb (2026) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.