4 Old Cross Rd, Warwick, NY 10990 Property Records

Orange County and Warwick Town property record for 4 Old Cross Rd, Warwick, NY 10990

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,145 sqft · built 2003
Lot Size	2.8 acres (121,968 sqft)
Owner	2 Individual Names on Record
Last Sale	$997,000 (Aug 2023)
Tax Bill	$18,341 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40-1-17.21`

Property Details

APN / Parcel Number

Primary APN	`40-1-17.21`
Alternative APNs	`548904000000010172100000` `335489 40-1-17.21`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,145 sqft Living Area
Gross Area	4,151 sqft
1st Floor Area	1,684 sqft
2nd Floor Area	1,461 sqft
Upper Floors Area	504 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	121,968 sqft (2.8 acres)
View / Lot	Rural
Garage Type	Attached
Garage Area	735 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Porch Area	527 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	40-1-17.21
Street Address	4 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	LOT 1 ORCHARD HILL SUB
Legal Subdivision	ORCHARD HILL
Legal Block	1
Legal Lot Number	17.21
Jurisdiction	ORANGE NY
Township / Civil Division	WARWICK
Census Block Group	3
Census Block	3012
Census Tract	14502

Owner

Source: Orange County and Warwick Town records, as of July 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	73 DEVONSHIRE RD, CEDAR GROVE, NJ 07009-2021
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · Line of Credit VALLEY NATIONAL BANK
Aug 9, 2023	Deed, Transfer · Stand-Alone First Mortgage VALLEY NATIONAL BANK
Aug 27, 2018	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2023 · Amount on Record
Deed Sale	Aug 9, 2023 · Amount on Record
Prior Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	202320230048613
Deed Book / Page	15456 / 1071
Prior Transfer Date	Oct 6, 2006
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Recording Date	Jul 10, 2026
Property Address	4 OLD CROSS RD, WARWICK, NY 10990-2905
Document Number	0000049897
Book / Page	15918 / 1370
Instrument Date	Jun 25, 2026
Instrument	202649897
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 OLD CROSS RD, WARWICK, NY 10990-2905

Mortgage

Document Number	0000049897,
Date	Jul 10, 2026
Book Page	15918/1370
Instrument	202649897

Lender

Name	VALLEY NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Max Rate	-1%

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Aug 9, 2023
Property Address	4 OLD CROSS RD, WARWICK, NY 10990-2905
Document Number	0000048613
Book / Page	15456 / 1071
Instrument	20230048613
Transaction Type	Transfer
Record Updated	Aug 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 DEVONSHIRE RD, CEDAR GROVE, NJ 07009-2021

Mortgage

Document Number	0000048614
Date	Aug 9, 2023
Instrument	20230048614

Lender

Name	VALLEY NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE NY
Recording Date	Aug 27, 2018
Property Address	4 OLD CROSS RD, WARWICK, NY 10990-2905
Document Number	0000062351
Book / Page	014451 / 001628
Instrument Date	Aug 9, 2018
Instrument	62351
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,260.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26 CREMERY POND RD SUGAR LOAF NY 10981, SUGAR LOAF, NY 10981

Mortgage

Document Number	62352
Date	Aug 27, 2018
Book Page	014451/001632
Instrument	62352

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2048

Tax Assessment & Valuation

Source: Orange County and Warwick Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
County Subdivision	Warwick Town
Unified School District	Warwick Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$80,000 (-) Land $15,900 Building $64,100	$952,400 (+10.12%)
2024	$18,341.00
2023		$80,000 (-) Land $15,900 Building $64,100	$864,900 (+17.31%) Land $171,899 Building $693,001
2022		$80,000 Land $15,900 Building $64,100	$737,300 Land $146,538 Building $590,762

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 September 26, 2023 · 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 500 ft
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	Hurricane Irene, Aug 2011 · 2 claims Coastal Storms & Flooding, Apr 1984 · 2 claims

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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Alteva of Warwick Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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