3 Oak St, Garnerville, NY 10923 Property Records

Rockland County and Haverstraw Town property record for 3 Oak St, Garnerville, NY 10923

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,440 sqft · built 1957
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Aug 2017)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`392289 26.09-4-47`

Property Details

APN / Parcel Number

Primary APN	`392289 26.09-4-47`
Alternative APNs	`228902600900040470000000` `0010801`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	960 sqft
2nd Floor Area	480 sqft
Game Room	Game Room

Exterior

Year Built	Built 1957
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.169 acres)
Porch	Open Porch
Porch Area	256 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0010801
Old Parcel Number	228902600900040470000000
Street Address	3 OAK ST
City	GARNERVILLE
State	NY
Zip	10923-2006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	915
Legal Description	52.-6-3
Legal Subdivision	RIVER VIEW ESTATES
Legal Block	4
Legal Lot Number	47.000
Jurisdiction	ROCKLAND NY
Township / Civil Division	HAVERSTRAW
Census Block Group	4
Census Block	4008
Census Tract	10501

Owner

3 Oak St is owned and occupied by two individuals who bought it in August 2017.

Source: Rockland County and Haverstraw Town records, as of December 26, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	3 OAK ST, GARNERVILLE, NY 10923-2006
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2017 · Amount on File
Deed Sale	Aug 4, 2017 · Amount on File
Prior Sale	Sep 25, 1998 · Amount on File
Deed Document Number	0201725572
Prior Transfer Date	Oct 25, 2006
Prior Transfer Doc	2006-00056644
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKLAND NY
Property Address	3 OAK ST, GARNERVILLE, NY 10923-2006
Transaction Type	Mortgage
Record Updated	Sep 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025573
Date	Aug 4, 2017
Instrument	2017-00025573

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Rockland County and Haverstraw Town assessment roll, as of May 31, 2024

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

Year	Assessed Value	Assessed Market Value
2024	$273,900 (-) Land $113,000 Building $160,900	$470,134 (+5.2%) Land $193,958 Building $276,176
2023	$273,900 Land $113,000 Building $160,900	$446,892 Land $184,369 Building $262,523

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

Flood

FEMA maps place 3 Oak St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective August 19, 2025 · 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	6 (1979–2003)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Aug 2003 · 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 3 Oak St 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	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	VEOLIA WATER NEW YORK private · serves 270,000 people · EPA ID NY4303673
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, 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 496 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880