Orange County and Chester Town property record for 446 Laroe Rd, Chester, NY 10918
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,296 sqft · built 1985 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $95,000 (Jan 2024) |
| Tax Bill | $17,778 (2024) |
| Deeds & Mortgages | May 2022 Mortgage Jul 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 332289 7-1-74 |
| Primary APN | 332289 7-1-74 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,296 sqft Living Area |
| Gross Area | 4,144 sqft |
| 1st Floor Area | 2,197 sqft |
| Upper Floors Area | 1,099 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Lot Area | 87,120 sqft (2 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 848 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 549 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 7-1-74 |
|---|---|
| Street Address | 446 LAROE RD |
| City | CHESTER |
| State | NY |
| Zip | 10918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR3 |
| Legal Subdivision | BERNARDINI |
| Legal Block | 1 |
| Legal Lot Number | 74.00 |
| Jurisdiction | ORANGE NY |
| Township / Civil Division | CHESTER |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 14302 |
Source: Orange County and Chester Town records, as of April 29, 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 | 703 KAYLA CT, NEWBURGH, NY 12550-8639 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 9, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jul 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jan 5, 2024 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2024 · Amount on Record |
| Deed Sale | Jan 5, 2024 · Amount on Record |
| Prior Sale | Jul 13, 2005 · Amount on Record |
| Deed Document Number | 20241107 |
| Deed Book / Page | 15510 / 1051 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 446 LAROE RD, CHESTER, NY 10918 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000035025 |
|---|---|
| Date | May 9, 2022 |
| Book Page | 15225/418 |
| Instrument | 20220035025 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 446 LAROE RD, CHESTER, NY 10918 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000043100 |
|---|---|
| Date | Jul 13, 2023 |
| Book Page | 15444/1611 |
| Instrument | 20230043100 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ORANGE NY |
| Recording Date | Jan 5, 2024 |
| Property Address | 446 LAROE RD, CHESTER, NY 10918 |
| Document Number | 0000001107 |
| Book / Page | 15510 / 1051 |
| Instrument Date | Nov 29, 2023 |
| Instrument | 20240001107 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 703 KAYLA CT, NEWBURGH, NY 12550-8639 |
| Investor | Possibly a Property Investor |
Source: Orange County and Chester Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Orange County |
| County Subdivision | Chester Town |
| Unified School District | Monroe-Woodbury Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $277,000 (-) Land $61,000 Building $216,000 | $758,300 (+12.24%) | |
| 2024 | $17,778.00 | ||
| 2023 | $277,000 (-) Land $61,000 Building $216,000 | $675,600 (+17.54%) Land $148,778 Building $526,822 | |
| 2022 | $277,000 Land $61,000 Building $216,000 | $574,800 Land $126,581 Building $448,219 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 26, 2023 · 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 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 43 (1979–2023) |
| Claims Outside the SFHA | 6 of 43 |
| Most Recent Claim | Sep 2023 · river or lake 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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