Rockland County and Clarkstown Town property record for 435 Storms Rd, Valley Cottage, NY 10989
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,952 sqft · built 2005 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $825,000 (Aug 2025) |
| Tax Bill | $23,615 (2023) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 392089 59.11-2-10.2 |
| Primary APN | 392089 59.11-2-10.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,952 sqft Living Area |
| Gross Area | 3,272 sqft |
| 1st Floor Area | 1,440 sqft |
| 2nd Floor Area | 1,512 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 65,340 sqft (1.5 acres) |
| View / Lot | Suburban |
| Garage Type | Basement |
| Porch | Covered Porch |
| Porch Area | 560 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 122A25.1 |
|---|---|
| Street Address | 435 STORMS RD |
| City | VALLEY COTTAGE |
| State | NY |
| Zip | 10989-1215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Subdivision | LIZA MIELE |
| Legal Block | 2 |
| Legal Lot Number | 10.2 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | CLARKSTOWN |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 11102 |
435 Storms Rd is owned and occupied by two individuals who bought it in August 2025.
Source: Rockland County and Clarkstown Town records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 435 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Aug 27, 2025 | Bargain and Sale Deed, Transfer · Conventional Mortgage SUN WEST MORTGAGE CO INC |
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LIVE OAK BANKING CO |
| Apr 21, 2017 | Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2025 · Amount on File |
| Deed Sale | Aug 27, 2025 · Amount on File |
| Prior Sale | Apr 21, 2017 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Aug 27, 2025 |
| Property Address | 435 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Document Number | 0000026305 |
| Map Reference | BK124PG54MAP7715 |
| Instrument Date | Aug 19, 2025 |
| Instrument | 2025-00026305 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2025 |
| Title Company | CTC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 435 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Name | Verified Name |
|---|---|
| Address | 435 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Document Number | 0000026306 |
|---|---|
| Date | Aug 27, 2025 |
| Instrument | 2025-00026306 |
| Name | SUN WEST MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 435 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018617 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 2021-00018617 |
| Name | LIVE OAK BANKING CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 28, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Apr 21, 2017 |
| Property Address | 435 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Document Number | 0000013087 |
| Map Reference | MB 124 PG 54 |
| Instrument Date | Apr 19, 2017 |
| Instrument | 2017-00013087 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| 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 |
|---|---|
| Address | 435 STORMS RD, 435, VALLEY COTTAGE, NY 10989-1215 |
| Name | Verified Name |
|---|---|
| Address | 246 SENECA AVE, DIX HILLS, NY 11746-8028 |
| Document Number | 0000013088 |
|---|---|
| Date | Apr 21, 2017 |
| Instrument | 2017-00013088 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
Source: Rockland County and Clarkstown Town assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | New York |
| County | Rockland County |
| County Subdivision | Clarkstown Town |
| Unified School District | Nyack Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $170,300 (-) Land $49,400 Building $120,900 | $106,800 (-) | |
| 2023 | $23,615.00 | $170,300 Land $49,400 Building $120,900 | $106,800 Land $30,980 Building $75,820 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 435 Storms Rd in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1979.
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 | 3 in force |
| Nearby Flood Claims | 17 (1979–2026) |
| Claims Outside the SFHA | 9 of 17 |
| Most Recent Claim | Aug 2026 · rainfall accumulation |
| 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.
Wildfire risk around 435 Storms Rd 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 229 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures