40 Garden Ter, Spring Valley, NY 10977 Property Records

Rockland County and Ramapo Town property record for 40 Garden Ter, Spring Valley, NY 10977

Property Summary

Property Type	Condominium
Details	8 bd · 4 ba · 3,865 sqft · built 2020
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$995,000 (Oct 2021)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`392689 49.12-2-52.11-1602`

Property Details

APN / Parcel Number

Primary APN	`392689 49.12-2-52.11-1602`
Alternative APN	`00458921000`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	3,865 sqft Living Area
1st Floor Area	1,187 sqft
2nd Floor Area	1,225 sqft
Upper Floors Area	1,226 sqft

Exterior

Year Built	Built 2020
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	1,307 sqft (0.03 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00458921000
Street Address	40 GARDEN TER
City	SPRING VALLEY
State	NY
Zip	10977-2118
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOT:52.011 BLK:2 SEC:49.12 DIST:392689 CITY/MUNI/TWP:RAMAPO (TOV)
Legal Block	2
Legal Lot Number	52.011
Jurisdiction	ROCKLAND NY
Township / Civil Division	RAMAPO
Census Block Group	2
Census Block	2000
Census Tract	12112

Owner

40 Garden Ter, a condominium, is owned and occupied by an individual who bought it in October 2021.

Source: Rockland County and Ramapo Town records, as of December 26, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	40 GARDEN TER, SPRING VALLEY, NY 10977-2118
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2021 · Amount on File
Deed Sale	Oct 15, 2021 · Amount on File
Deed Document Number	0202143410
Deed Book / Page	2021 / 43410
Record Updated	Jun 8, 2026

October 2021: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	ROCKLAND NY
Recording Date	Oct 15, 2021
Property Address	40 GARDEN TER, SPRING VALLEY, NY 10977-2118
Document Number	0000043410
Map Reference	IN 2018-00006262
Instrument Date	Oct 6, 2021
Instrument	2021-00043410
Transaction Type	Transfer
Record Updated	Dec 1, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 EASTVIEW RD, 5, MONSEY, NY 10952-2908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 HOMESTEAD LN UNIT 102, 102, MONSEY, NY 10952-3094

Mortgage

Document Number	0000043411
Date	Oct 15, 2021
Instrument	2021-00043411

Lender

Name	FM HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Rockland County and Ramapo Town assessment roll, as of May 31, 2024

Property Jurisdictions

Type	Name
State	New York
County	Rockland County
County Subdivision	Ramapo Town
Unified School District	East Ramapo Central School District (Spring Valley) (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2024	$51,500 (-) Land $5,000 Building $46,500	$663,660 (-38.1%) Land $64,433 Building $599,227
2023	$51,500 Land $5,000 Building $46,500	$1,072,100 Land $104,087 Building $968,013

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

FEMA maps place 40 Garden Ter in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 19, 2025 · 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	2 in force

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

Wildfire risk around 40 Garden Ter is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	VEOLIA WATER NEW YORK private · serves 270,000 people · EPA ID NY4303673
Water Source	Surface water
Last State Inspection	Mar 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20