Putnam County and Philipstown Town property record for 40 Upper Station Rd, Garrison, NY 10524
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 9 bd · 5.5 ba · 6,303 sqft · built 1884 |
| Lot Size | 5.43 acres (236,531 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,400,000 (Apr 2025) |
| Tax Bill | $25,189 (2024) |
| Deeds & Mortgages | Apr 2024 Reverse Mortgage Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 372689 60.17-1-22 |
| Primary APN | 372689 60.17-1-22 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 6,303 sqft Living Area |
| Gross Area | 7,465 sqft |
| 1st Floor Area | 3,277 sqft |
| 2nd Floor Area | 1,854 sqft |
| Upper Floors Area | 1,172 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1884 |
|---|---|
| Effective Year Built | Effective 1884 |
| Architectural Style | Old Style |
| Exterior Material | Wood |
| Lot Area | 236,531 sqft (5.43 acres) |
| Lot Width | 998 ft Width |
| View / Lot | Waterfront |
| Garage Type | Carport |
| Garage Area | 280 sqft |
| Carport | Carport |
| Carport Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Porch |
| Porch Area | 1,398 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 087350 |
|---|---|
| Street Address | 40 UPPER STATION RD |
| City | GARRISON |
| State | NY |
| Zip | 10524-3615 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | R40 |
| Legal Block | 1 |
| Legal Lot Number | 22.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | PHILIPSTOWN |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 10800 |
Source: Putnam County and Philipstown Town records, as of July 1, 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 | 40 UPPER STATION RD, GARRISON, NY 10524-3615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Apr 1, 2024 | Deed of Trust, Mortgage · Reverse Mortgage FINANCIAL FREEDOM SENIOR FUNDING CORP |
| Mar 25, 2026 | Intrafamily Transfer, Transfer MICHELE KNOS LIVING TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2025 · Amount on Record |
| Deed Sale | Apr 24, 2025 · Amount on Record |
| Deed Document Number | 20252315 |
| Deed Book / Page | 2395 / 138 |
| Last Transfer Date | Feb 20, 2026 |
| Transfer Doc | 0024370087 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 40 UPPER STATION RD, GARRISON, NY 10524-3615 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0078630166 |
|---|---|
| Date | Apr 1, 2024 |
| Book Page | 7863/166 |
| Instrument | 1773-2024 |
| Name | FINANCIAL FREEDOM SENIOR FUNDING CORP |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Mar 25, 2026 |
| Property Address | 40 UPPER STATION RD, GARRISON, NY 10524-3615 |
| Document Number | 0024370087 |
| Book / Page | 2437 / 87 |
| Map Reference | MAP 1873A |
| Instrument Date | Feb 20, 2026 |
| Instrument | 2057-2026 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2026 |
| Title Company | ATTORNEY'S TITLE, ATTORNEYS TITLE INS AGCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1627 CLOWER CREEK DR # DRTR167, DRTR167, SARASOTA, FL 34231-8925 |
| Name | Verified Name |
|---|---|
| Address | 40 UPPER STATION RD, GARRISON, NY 10524-3615 |
| Document Number | 0008089106 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 8089/106 |
| Name | MICHELE KNOS LIVING TRUST |
|---|---|
| Type | Private Party |
| Amount | Amount Recorded |
|---|
Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Philipstown Town |
| Unified School District | Garrison Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $597,225 (-) Land $120,800 Building $476,425 | $1,947,261 (+10.08%) | |
| 2024 | $25,189.00 | $597,225 (-) Land $120,800 Building $476,425 | $1,769,031 (+4.32%) |
| 2023 | $597,225 (-) Land $120,800 Building $476,425 | $1,695,698 (+11.73%) Land $342,987 Building $1,352,711 | |
| 2022 | $597,225 Land $120,800 Building $476,425 | $1,517,726 Land $306,989 Building $1,210,737 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 11 (2011–2023) |
| Claims Outside the SFHA | 10 of 11 |
| Most Recent Claim | Jul 2023 · Severe Storms And Flooding |
| Claims by Event |
|
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: 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
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