Putnam County and Philipstown Town property record for 4 Locust Rdg, Cold Spring, NY 10516 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,536 sqft · built 1937 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $695,000 (Jan 2023) |
| Tax Bill | $11,288 (2024) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jan 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372601 49.5-2-28 |
| Primary APN | 372601 49.5-2-28 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 1,848 sqft |
| 1st Floor Area | 768 sqft |
| 2nd Floor Area | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| View / Lot | Lake Front |
| Garage Type | Detached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 312 sqft |
| Patio Area | 312 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 028375 |
|---|---|
| Street Address | 4 LOCUST RDG |
| City | COLD SPRING |
| State | NY |
| Zip | 10516-1902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAND & RES |
| Legal Block | 2 |
| Legal Lot Number | 28.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | PHILIPSTOWN |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 10700 |
Source: Putnam County and Philipstown Town records · APN 372601 49.5-2-28
Assessment roll updated April 29, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 4 LOCUST RDG, COLD SPRING, NY 10516-1902 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 01, 2026 | Deed of Trust, Mortgage · Line of Credit U S BANK N A |
| Jan 25, 2023 | Bargain and Sale Deed, Transfer · Conventional Mortgage US BANK NA |
| Jul 18, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 25, 2023 · Amount on Record |
| Deed Sale | Jan 25, 2023 · Amount on Record |
| Deed Document Number | 2023437 |
| Deed Book / Page | 2305 / 171 |
| Prior Transfer Date | Jul 06, 2022 |
| Prior Transfer Doc | 0022800260 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Apr 01, 2026 |
| Property Address | 4 LOCUST RDG, COLD SPRING, NY 10516-1902 |
| Document Number | 0000002191 |
| Book / Page | 8091 / 284 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 20262191 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | RADIAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000002191, |
|---|---|
| Date | Apr 01, 2026 |
| Book Page | 8091/284 |
| Instrument | 20262191 |
| Name | U S BANK N A |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Jan 25, 2023 |
| Property Address | 4 LOCUST RDG, COLD SPRING, NY 10516-1902 |
| Document Number | 0023050171 |
| Book / Page | 2305 / 171 |
| Instrument Date | Jan 19, 2023 |
| Instrument | 437-2023 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Title Company | THOROUGHBRED TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,780.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 LOCUST RDG, COLD SPRING, NY 10516-1902 |
| Name | Verified Name |
|---|---|
| Address | 22 ROCK ST, COLD SPRING, NY 10516-2910 |
| Document Number | 0077460001 |
|---|---|
| Date | Jan 25, 2023 |
| Book Page | 7746/1 |
| Instrument | 438-2023 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Jul 18, 2022 |
| Property Address | 4 LOCUST RDG, COLD SPRING, NY 10516-1902 |
| Document Number | 0022800260 |
| Book / Page | 2280 / 260 |
| Instrument Date | Jul 06, 2022 |
| Instrument | 6560-2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 LOCUST RDG, 4, COLD SPRING, NY 10516-1902 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4 LOCUST RDG, COLD SPRING, NY 10516-1902 |
Source: Putnam County and Philipstown Town records · Assessment roll updated April 29, 2026 · Last verified May 2026
| 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $177,900 (-) Land $41,300 Building $136,600 | $580,046 (+10.08%) | |
| 2024 | $11,288.00 | $177,900 (-) Land $41,300 Building $136,600 | $526,955 (+4.32%) |
| 2023 | $177,900 (-) Land $41,300 Building $136,600 | $505,111 (+11.73%) Land $117,263 Building $387,848 | |
| 2022 | $177,900 Land $41,300 Building $136,600 | $452,097 Land $104,956 Building $347,141 |
Source: FEMA National Flood Hazard Layer, Putnam County (36079C), updated March 4, 2013 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360790107003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 |
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 per year |
| Exposure | Indirect within ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 447 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Optimum Communications | Fiber | 8,000 / 8,000 |
| Optimum Communications | Cable | 940 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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