3 Charlotte Rd, Fishkill, NY 12524 Property Records

Dutchess County and Fishkill Town property record for 3 Charlotte Rd, Fishkill, NY 12524

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,584 sqft · built 1963
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$501,000 (Oct 2024)
Tax Bill	$8,657 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Oct 2024 Sale & Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`133089-6156-03-431499-0000`

Property Details

APN / Parcel Number

Primary APN	`133089-6156-03-431499-0000`
Alternative APNs	`308900615600034314990000` `133089 6.156-3-431.499` `06431499`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	2,282 sqft
1st Floor Area	1,584 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Pool Area	288 sqft
Porch	Covered Porch
Porch Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	06431499
Street Address	3 CHARLOTTE RD
City	FISHKILL
State	NY
Zip	12524-2708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	0.41 AC (C) L 8/14/98
Legal Block	3
Legal Lot Number	431
Jurisdiction	DUTCHESS NY
Township / Civil Division	FISHKILL
Census Block Group	1
Census Block	1005
Census Tract	60201

Owner

3 Charlotte Rd is owned by an individual who bought it in October 2024.

Source: Dutchess County and Fishkill Town records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	4 ALPINE DR, F, WAPPINGERS FALLS, NY 12590-5205
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 6, 2021	Deed of Trust, Mortgage · Line of Credit HUDSON VALLEY FCU
Oct 15, 2024	Deed, Transfer · Stand-Alone Refinance PRIME LENDING INC
Jan 13, 2017	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS AND TRADERS TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2024 · Amount on File
Deed Sale	Oct 15, 2024 · Amount on File
Prior Sale	Sep 16, 2016 · Amount on File
Deed Document Number	20243003
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUTCHESS NY
Property Address	3 CHARLOTTE RD, FISHKILL, NY 12524-2708
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003976
Date	Jul 6, 2021
Instrument	3976

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	DUTCHESS NY
Recording Date	Oct 15, 2024
Property Address	3 CHARLOTTE RD, FISHKILL, NY 12524-2708
Document Number	0000003003
Instrument Date	Oct 11, 2024
Instrument	2024-3003
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4 ALPINE DR APT F, F, WAPPINGERS FALLS, NY 12590-5205

Mortgage

Document Number	0000002070
Date	Oct 15, 2024
Instrument	2070

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUTCHESS NY
Property Address	3 CHARLOTTE RD, FISHKILL, NY 12524-2708
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000388
Date	Jan 13, 2017
Instrument	000000000388

Lender

Name	MANUFACTURERS AND TRADERS TRUST CO

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3 Charlotte Rd was $8,657.

Source: Dutchess County and Fishkill Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Dutchess County
County Subdivision	Fishkill Town
Unified School District	Wappingers Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,657.00	$481,000 (+16.3%) Land $101,600 Building $379,400	$481,000 (+16.3%) Land $101,600 Building $379,400
2024		$413,600 (+5.16%) Land $101,600 Building $312,000	$413,600 (+5.16%) Land $101,600 Building $312,000
2023		$393,300 (+10.51%) Land $101,600 Building $291,700	$393,300 (+10.51%) Land $101,600 Building $291,700
2022		$355,900 Land $92,400 Building $263,500	$355,900 Land $92,400 Building $263,500

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

Flood

FEMA maps place 3 Charlotte Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective July 26, 2021 · 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
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 3 Charlotte Rd 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: T-Mobile.

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