Columbia County and Germantown Town property record for 431 Hover Ave, Germantown, NY 12526
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,360 sqft · built 1970 |
| Lot Size | 3.4 acres (148,104 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $478,900 (Apr 2022) |
| Tax Bill | $10,274 (2026) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Mar 2019 Mortgage |
| APN | 103600 158.-1-54 |
| Primary APN | 103600 158.-1-54 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,360 sqft Living Area |
| 1st Floor Area | 2,360 sqft |
| Basement Area | 388 sqft |
| Finished Basement | 388 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 148,104 sqft (3.4 acres) |
| Garage Area | 1,024 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Slab |
| Porch Area | 1,116 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Well |
| Street Address | 431 HOVER AVE |
|---|---|
| City | GERMANTOWN |
| State | NY |
| Zip | 12526-5322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA2 |
| Legal Block | 1 |
| Legal Lot Number | 54.000 |
| Jurisdiction | COLUMBIA NY |
| Township / Civil Division | GERMANTOWN |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 2000 |
431 Hover Ave is owned and occupied by two individuals who bought it in April 2022.
Source: Columbia County and Germantown Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 HOVER AVE, GERMANTOWN, NY 12526-5322 |
| 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.
| Date | Document |
|---|---|
| Apr 18, 2022 | Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Mar 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RHINEBECK BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2022 · Amount on File |
| Deed Sale | Apr 18, 2022 · Amount on File |
| Prior Sale | Feb 14, 2003 · Amount on File |
| Deed Document Number | 20223911 |
| Deed Book / Page | 960 / 22 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | COLUMBIA NY |
| Recording Date | Apr 18, 2022 |
| Property Address | 431 HOVER AVE, GERMANTOWN, NY 12526-5322 |
| Document Number | 0000003911 |
| Book / Page | 960 / 22 |
| Instrument Date | Apr 12, 2022 |
| Instrument | 20220003911 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12 GREENPORT PKWY, HUDSON, NY 12534-2710 |
| Document Number | 0000003912 |
|---|---|
| Date | Apr 18, 2022 |
| Instrument | 20220003912 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLUMBIA NY |
| Property Address | 431 HOVER AVE, GERMANTOWN, NY 12526-5322 |
| Document Number | 0000002423 |
| Instrument Date | Mar 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 431 HOVER AVE GERMANTOWN NY 125265322, GERMANTOWN, NY 12526-5322 |
| Document Number | 0000002423 |
|---|---|
| Date | Mar 20, 2019 |
| Book Page | 000882/000697 |
| Instrument | 2423 |
| Name | RHINEBECK BK |
|---|---|
| Type | Bank |
| Address | POUGHKEEPSIE, NY 12601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 19, 2029 |
The 2026 property tax bill for 431 Hover Ave was $10,274, up 0.8% from the year before.
Source: Columbia County and Germantown Town assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Columbia County |
| County Subdivision | Germantown Town |
| Unified School District | Germantown Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,274.00 (+0.76%) | ||
| 2025 | $10,197.00 | $473,800 Land $64,800 Building $409,000 | $803,051 Land $109,831 Building $693,220 |
| 2023 | $473,800 Land $64,800 Building $409,000 | $658,056 Land $90,000 Building $568,056 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 431 Hover Ave.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 431 Hover Ave 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 | 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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GTel Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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