40 Sand St, Garnerville, NY 10923 Property Records

Rockland County and Haverstraw Town property record for 40 Sand St, Garnerville, NY 10923

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,384 sqft · built 1905
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Owner Names on File
Last Sale	$218,000 (Jan 2003)
Deeds & Mortgages	Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`392203 26.06-4-63`

Property Details

APN / Parcel Number

Primary APN	`392203 26.06-4-63`
Alternative APNs	`220302600600040630000000` `0007936`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,384 sqft Living Area
1st Floor Area	600 sqft
2nd Floor Area	560 sqft
Upper Floors Area	224 sqft

Exterior

Year Built	Built 1905
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
Porch	Enclosed Porch
Porch Area	196 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0007936
Old Parcel Number	220302600600040630000000
Street Address	40 SAND ST
City	GARNERVILLE
State	NY
Zip	10923-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	303
Legal Description	41.-7-10
Legal Block	4
Legal Lot Number	63.000
Jurisdiction	ROCKLAND NY
Township / Civil Division	HAVERSTRAW
Census Block Group	1
Census Block	1006
Census Tract	10601

Owner

The current owner of 40 Sand St bought it in January 2003.

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

Owner of Record	2 Owner Names on File
Mailing Address	40 SAND ST, GARNERVILLE, NY 10923-1430
Occupancy	Owner Occupied

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	Jan 27, 2003 · Amount on File
Deed Sale	Jan 27, 2003 · Amount on File
Prior Sale	Jul 1, 1996 · Amount on File
Deed Document Number	2003-00005602
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKLAND NY
Property Address	40 SAND ST, GARNERVILLE, NY 10923-1430
Document Number	0000021946
Instrument Date	Jun 29, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SAND ST GARNERVILLE NY 109231430, GARNERVILLE, NY 10923-1430

Mortgage

Document Number	0000021946
Date	Jul 26, 2018
Instrument	21946

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Rockland County
County Subdivision	Haverstraw Town
Municipality	West Haverstraw Village
Unified School District	Haverstraw-Stony Point Central School District (North Rockland) (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2024	$224,100 (-) Land $87,700 Building $136,400	$384,655 (+5.2%) Land $150,532 Building $234,123
2023	$224,100 Land $87,700 Building $136,400	$365,639 Land $143,090 Building $222,549

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 40 Sand St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1983.

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 Claims	9 (1983–2001)
Claims Outside the SFHA	8 of 9
Most Recent Claim	Sep 2001 · 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

Wildfire risk around 40 Sand St is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 496 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	980 / 880