34 Garden St, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 34 Garden St, Cold Spring, NY 10516

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,188 sqft · built 1914
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Dec 1995)
Tax Bill	$10,196 (2024)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372601 48.8-2-32`

Property Details

APN / Parcel Number

Primary APN	`372601 48.8-2-32`
Alternative APNs	`260104800800020320000000` `023950`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,188 sqft Living Area
1st Floor Area	684 sqft
2nd Floor Area	504 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Old Style
Exterior Material	Composition/Composite
Foundation Type	Raised
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
View / Lot	Lake Front

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	023950
Street Address	34 GARDEN ST
City	COLD SPRING
State	NY
Zip	10516-2803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	LAND & RESIDENCE
Legal Block	2
Legal Lot Number	32.00
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	3
Census Block	3015
Census Tract	10700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cold Spring Historic District listed 1982 · 219 contributing resources · NRIS 82001235

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	Individual Name on Record
Mailing Address	34 GARDEN ST, COLD SPRING, NY 10516-2803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 1995 · Amount on Record
Deed Sale	Dec 11, 1995 · Amount on Record
Prior Sale	Nov 22, 1995 · Amount on Record
Deed Book / Page	1319 / 8
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	34 GARDEN ST, COLD SPRING, NY 10516-2803
Document Number	0070370228
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	NORTH RIVER ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 GARDEN ST COLD SPRING NY 105162803, COLD SPRING, NY 10516-2803

Mortgage

Document Number	0070370228
Date	Feb 20, 2020
Book Page	007037/000228
Instrument	1426

Lender

Name	HUDSON VLY CU
Type	Credit Union
Address	POUGHKEEPSIE, NY 12603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2050

Tax Assessment & Valuation

Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Putnam County
County Subdivision	Philipstown Town
Municipality	Cold Spring Village
Unified School District	Haldane Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$160,690 (-) Land $31,560 Building $129,130	$523,932 (+14.84%)
2024	$10,196.00
2023		$160,690 (-) Land $31,560 Building $129,130	$456,246 (+11.73%) Land $89,608 Building $366,638
2022		$160,690 Land $31,560 Building $129,130	$408,361 Land $80,203 Building $328,158

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	9 (2011–2024)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Jan 2024 · river or lake 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.

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	COLD SPRING VILLAGE serves 2,666 people · EPA ID NY3903652
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fixed Wireless	300 / 20