Rockland County and Haverstraw Town property record for 3 Spruce St, Garnerville, NY 10923
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,972 sqft · built 1971 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $393,000 (Sep 2019) |
| Deeds & Mortgages | May 2021 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 392289 20.14-4-89 |
| Primary APN | 392289 20.14-4-89 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,972 sqft Living Area |
| 1st Floor Area | 1,284 sqft |
| Basement Area | 688 sqft |
| Finished Basement | 688 sqft |
| Year Built | Built 1971 |
|---|---|
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,810 sqft (0.339 acres) |
| Garage Type | Basement |
| Pool Area | 1,300 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Patio Area | 264 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0009966 |
|---|---|
| Old Parcel Number | 228902001400040890000000 |
| Street Address | 3 SPRUCE ST |
| City | GARNERVILLE |
| State | NY |
| Zip | 10923-1018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 915 |
| Legal Description | 49.-5-23 |
| Legal Subdivision | CHAPEL HILL HOMES SEC 02 |
| Legal Block | 4 |
| Legal Lot Number | 89.000 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | HAVERSTRAW |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10501 |
Source: Rockland County and Haverstraw Town records, as of December 26, 2025
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 | 3 SPRUCE ST, GARNERVILLE, NY 10923-1018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage HUD |
| Sep 3, 2019 | Bargain and Sale Deed, Transfer · FHA Mortgage UNITED NORTHERN MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2019 · Amount on Record |
| Deed Sale | Sep 3, 2019 · Amount on Record |
| Deed Document Number | 0201924811 |
| Deed Book / Page | 2019 / 24811 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 3 SPRUCE ST, GARNERVILLE, NY 10923-1018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018881 |
|---|---|
| Date | May 3, 2021 |
| Instrument | 2021-00018881 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Sep 3, 2019 |
| Property Address | 3 SPRUCE ST, GARNERVILLE, NY 10923-1018 |
| Document Number | 0000024811 |
| Map Reference | BK 78 PG 59 MAP 3908 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 2019-00024811 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | SECURITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,556.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 64 BERKELEY CIR, SUFFERN, NY 10901-4442 |
| Document Number | 0000024812 |
|---|---|
| Date | Sep 3, 2019 |
| Instrument | 2019-00024812 |
| Name | UNITED NORTHERN MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Rockland County and Haverstraw Town assessment roll, as of May 31, 2024
| 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) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2024 | $292,200 (-) Land $110,600 Building $181,600 | $501,545 (+5.2%) Land $189,839 Building $311,706 |
| 2023 | $292,200 Land $110,600 Building $181,600 | $476,750 Land $180,454 Building $296,296 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9 (1979–1999) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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.
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 | Direct burnable vegetation |
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 262 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 980 / 880 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
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