Putnam County and Philipstown Town property record for 31 Stephanie Ln, Cold Spring, NY 10516
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,176 sqft · built 1955 |
| Lot Size | 2.75 acres (119,790 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $12,124 (2024) |
| Deeds & Mortgages | Jan 2018 Mortgage Jan 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 372689 16.20-1-14 |
| Primary APN | 372689 16.20-1-14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,176 sqft Living Area |
| Gross Area | 2,400 sqft |
| 1st Floor Area | 1,088 sqft |
| 2nd Floor Area | 1,088 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 119,790 sqft (2.75 acres) |
| Lot Width | 30 ft Width |
| View / Lot | Waterfront |
| Porch | Covered Porch |
| Porch Area | 224 sqft |
| Pole Barn | 1,003 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 063150 |
|---|---|
| Street Address | 31 STEPHANIE LN |
| City | COLD SPRING |
| State | NY |
| Zip | 10516-3800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B2 |
| Legal Description | LAND & RESIDENCE |
| Legal Block | 1 |
| Legal Lot Number | 14.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | PHILIPSTOWN |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 10600 |
Source: Putnam County and Philipstown Town records, as of April 29, 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 Record |
|---|---|
| Mailing Address | 31 STEPHANIE LN, COLD SPRING, NY 10516-3800 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Jan 9, 2018 | Loan Modification, Consolidation and Extension, Mortgage · Line of Credit M&T BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 31 STEPHANIE LN, COLD SPRING, NY 10516-3800 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067900429 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 6790/429 |
| Instrument | 1600079 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 1, 2047 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Jan 9, 2018 |
| Property Address | 31 STEPHANIE LN, COLD SPRING, NY 10516-3800 |
| Document Number | 0067900448 |
| Book / Page | 006790 / 000448 |
| Instrument Date | Nov 14, 2017 |
| Instrument | 1600080 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Address | 31 STEPHANIE LN COLD SPRING NY 105163800, COLD SPRING, NY 10516-3800 |
| Document Number | 67900448 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 006790/000448 |
| Instrument | 1600080 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 8, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Philipstown Town |
| Unified School District | Haldane Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $209,200 (-) Land $75,500 Building $133,700 | $682,100 (+14.84%) | |
| 2024 | $12,124.00 | ||
| 2023 | $209,200 (-) Land $75,500 Building $133,700 | $593,981 (+11.73%) Land $214,367 Building $379,614 | |
| 2022 | $209,200 Land $75,500 Building $133,700 | $531,639 Land $191,868 Building $339,771 |
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 March 4, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 2 (2011–2023) |
| Most Recent Claim | Jul 2023 · Severe Storms And Flooding |
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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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