4 Garden St, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 4 Garden St, Cold Spring, NY 10516

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1996
Lot Size	0.06 acres (2,625 sqft)
Owner	Individual Name on Record
Last Sale	$509,000 (Dec 2018)
Tax Bill	$8,282 (2024)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372601 48.8-2-45`

Property Details

APN / Parcel Number

Primary APN	`372601 48.8-2-45`
Alternative APNs	`260104800800020450000000` `015050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,404 sqft Living Area
Gross Area	1,495 sqft
1st Floor Area	754 sqft
2nd Floor Area	650 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	2,625 sqft (0.06 acres)
Lot Dimensions	75 ft deep x 35 ft wide
View / Lot	Lake Front
Porch	Covered Porch
Porch Area	143 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	015050
Street Address	4 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	45.00
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 West Point Foundry listed 1973 · 7 contributing resources · NRIS 73001250

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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4 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 27, 2018 · Amount on Record
Deed Sale	Dec 27, 2018 · Amount on Record
Prior Sale	Apr 28, 2004 · Amount on Record
Deed Document Number	20181503415
Deed Book / Page	2099 / 386
Record Updated	Oct 29, 2026

December 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Dec 27, 2018
Property Address	4 GARDEN ST, COLD SPRING, NY 10516-2803
Document Number	0020990386
Book / Page	2099 / 386
Instrument Date	Dec 13, 2018
Instrument	1503415
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	THOROUGHBRED TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,036.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	83 BAYOU BEND RD, 83, GROVELAND, FL 34736-3649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 ENGLISH WAY, PLEASANT VALLEY, NY 12569-6982

Mortgage

Document Number	0001603529
Date	Dec 27, 2018
Instrument	1603529

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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		$130,520 (-) Land $29,300 Building $101,220	$425,562 (+14.84%)
2024	$8,282.00
2023		$130,520 (-) Land $29,300 Building $101,220	$370,585 (+11.73%) Land $83,191 Building $287,394
2022		$130,520 Land $29,300 Building $101,220	$331,690 Land $74,460 Building $257,230

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.

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
Adjoins Burnable Land	Yes

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