Rockland County and Clarkstown Town property record for 3 Spring Rd, Valley Cottage, NY 10989
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,754 sqft · built 1985 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Deeds & Mortgages | Jul 2023 Line of Credit Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 392089 52.11-2-85 |
| Primary APN | 392089 52.11-2-85 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,754 sqft Living Area |
| 1st Floor Area | 1,836 sqft |
| Year Built | Built 1985 |
|---|---|
| Architectural Style | Raised Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Basement |
| Pool Area | 720 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 286 sqft |
| Patio Area | 260 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 125B12.59 |
|---|---|
| Old Parcel Number | 208905201100020850000000 |
| Street Address | 3 SPRING RD |
| City | VALLEY COTTAGE |
| State | NY |
| Zip | 10989-2113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGLE RESIDENCE |
| Legal Description | WATERMILL EST II LOT 57 125-B-12.59 |
| Legal Subdivision | WATERMILL ESTATES II |
| Legal Block | 2 |
| Legal Lot Number | 85.000 125 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | CLARKSTOWN |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 11101 |
3 Spring Rd is owned and occupied by two individuals who acquired it in September 2005.
Source: Rockland County and Clarkstown Town records, as of December 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3 SPRING RD, VALLEY COTTAGE, NY 10989-2113 |
| 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.
| Date | Document |
|---|---|
| Jul 11, 2023 | Deed of Trust, Mortgage · Line of Credit MUNICIPAL CU |
| Oct 13, 2020 | Grant Deed, Transfer · Conventional with PMI CROSSCOUNTRY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2005 |
| Deed Sale | Sep 19, 2005 |
| Prior Sale | Sep 19, 2005 |
| Deed Document Number | 2005-00051384 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 3 SPRING RD, VALLEY COTTAGE, NY 10989-2113 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000020892 |
|---|---|
| Date | Jul 11, 2023 |
| Instrument | 2023-00020892 |
| Name | MUNICIPAL CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Oct 13, 2020 |
| Property Address | 3 SPRING RD, VALLEY COTTAGE, NY 10989-2113 |
| Document Number | 0000030700 |
| Instrument Date | Jul 23, 2020 |
| Instrument | 30700 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2020 |
| Title Company | ENCORE TITLE AGENCY, ENCORE TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5601 RIVERDALE AVE #3S BRONX NY 104712122, 3S, BRONX, NY 10471-2122 |
| Document Number | 30701 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 30701 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 12, 2050 |
Source: Rockland County and Clarkstown Town assessment roll, as of May 31, 2024
| Type | Name |
|---|---|
| State | New York |
| County | Rockland County |
| County Subdivision | Clarkstown Town |
| Unified School District | Nyack Union Free School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2024 | $135,300 (-) Land $33,800 Building $101,500 | $576,235 (+290.67%) Land $143,952 Building $432,283 |
| 2023 | $135,300 Land $33,800 Building $101,500 | $147,500 Land $36,848 Building $110,652 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Spring Rd in Zone X, an area of minimal flood risk, though there have been 39 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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 39 (1979–2017) |
| Claims Outside the SFHA | 16 of 39 |
| Most Recent Claim | Mar 2017 · other causes |
| Claims by Event |
|
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 risk around 3 Spring 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 302 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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