Orange County and Warwick Town property record for 38 Old Cross Rd, Warwick, NY 10990
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,584 sqft · built 2000 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $780,000 (Aug 2025) |
| Tax Bill | $14,108 (2024) |
| Deeds & Mortgages | Apr 2021 Refinance Aug 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 335489 49-3-6 |
| Primary APN | 335489 49-3-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,584 sqft Living Area |
| Gross Area | 3,108 sqft |
| 1st Floor Area | 1,432 sqft |
| 2nd Floor Area | 1,152 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 87,120 sqft (2 acres) |
| View / Lot | Rural |
| Garage Type | Attached |
| Garage Area | 524 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 225 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 49-3-6 |
|---|---|
| Street Address | 38 OLD CROSS RD |
| City | WARWICK |
| State | NY |
| Zip | 10990-2905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 00220 |
| Legal Description | LT 6 HICKORY HOLLOW FARM LP MAP 145-98 |
| Legal Block | 3 |
| Legal Lot Number | 6.000 |
| Jurisdiction | ORANGE NY |
| Township / Civil Division | WARWICK |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 14502 |
38 Old Cross Rd is owned by two individuals who bought it in August 2025.
Source: Orange County and Warwick Town records, as of June 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 246 BALDWIN AVE, NEW MILFORD, NJ 07646-1904 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Apr 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE |
| Aug 1, 2025 | Deed, Transfer · Stand-Alone First Mortgage LUMINATE BANK |
| Feb 5, 2024 | Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2025 · Amount on File |
| Deed Sale | Aug 1, 2025 · Amount on File |
| Prior Sale | Feb 5, 2024 · Amount on File |
| Deed Document Number | 202551098 |
| Deed Book / Page | 15765 / 1177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 38 OLD CROSS RD, WARWICK, NY 10990-2905 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000023758 |
|---|---|
| Date | Apr 13, 2021 |
| Book Page | 14940/1 |
| Instrument | 20210023758 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ORANGE NY |
| Recording Date | Aug 1, 2025 |
| Property Address | 38 OLD CROSS RD, WARWICK, NY 10990-2905 |
| Document Number | 0000051098 |
| Book / Page | 15765 / 1177 |
| Instrument Date | Jul 15, 2025 |
| Instrument | 20250051098 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 246 BALDWIN AVE, NEW MILFORD, NJ 07646-1904 |
| Investor | Possibly a Property Investor |
| Document Number | 0000051099 |
|---|---|
| Date | Aug 1, 2025 |
| Instrument | 20250051099 |
| Name | LUMINATE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ORANGE NY |
| Recording Date | Feb 5, 2024 |
| Property Address | 38 OLD CROSS RD, WARWICK, NY 10990-2905 |
| Document Number | 0000007216 |
| Book / Page | 15523 / 1553 |
| Instrument Date | Jan 12, 2024 |
| Instrument | 20240007216 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20015 22ND AVE # 2ND, BAYSIDE, NY 11360-1302 |
| Document Number | 0000007217 |
|---|---|
| Date | Feb 5, 2024 |
| Instrument | 20240007217 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 38 OLD CROSS RD, WARWICK, NY 10990-2905 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20210023758 |
|---|---|
| Date | Apr 13, 2021 |
| Book Page | 14940/1 |
| Instrument | 20210023758 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Orange County and Warwick Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Orange County |
| County Subdivision | Warwick Town |
| Unified School District | Warwick Valley Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $63,700 (-) Land $15,400 Building $48,300 | $758,300 (+5.95%) | |
| 2024 | $14,108.00 | $63,700 (-) Land $15,400 Building $48,300 | $715,700 (+3.94%) |
| 2023 | $63,700 (-) Land $15,400 Building $48,300 | $688,600 (+17.29%) Land $166,475 Building $522,125 | |
| 2022 | $63,700 Land $15,400 Building $48,300 | $587,100 Land $141,936 Building $445,164 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 38 Old Cross Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1984.
Source: FEMA National Flood Hazard Layer, effective September 26, 2023 · 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 | 3 in force |
| Nearby Flood Claims | 6 (1984–2020) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Aug 2020 · 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 38 Old Cross Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 97.9% of New York |
|---|---|
| Wildfire Likelihood | 0.03% 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 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Alteva of Warwick Fiber | 1,000 / 1,000 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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