Orange County and New Windsor Town property record for 446 Philo St, New Windsor, NY 12553
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,594 sqft · built 1975 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $149,900 (Jun 2016) |
| Tax Bill | $8,379 (2024) |
| Deeds & Mortgages | Mar 2022 Refinance Apr 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 334800 73-4-2 |
| Primary APN | 334800 73-4-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,594 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 490 sqft |
| Finished Basement | 490 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 376 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 73-4-2 |
|---|---|
| Street Address | 446 PHILO ST |
| City | NEW WINDSOR |
| State | NY |
| Zip | 12553-6146 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | LT 2 BLK E WOODWIND |
| Legal Subdivision | WOODWIND |
| Legal Block | 4 |
| Legal Lot Number | 2.000 |
| Jurisdiction | ORANGE NY |
| Township / Civil Division | NEW WINDSOR |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 12601 |
446 Philo St is owned and occupied by an individual who bought it in June 2016.
Source: Orange County and New Windsor Town records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 PHILO ST, NEW WINDSOR, NY 12553-6146 |
| 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 |
|---|---|
| Mar 16, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance PRIMELENDING |
| Apr 13, 2022 | Deed of Trust, Mortgage · Line of Credit VISIONS FCU |
| Apr 16, 2018 | Deed of Trust, Mortgage VISIONS FEDERAL CREDIT UNION |
| Oct 15, 2019 | Deed of Trust, Mortgage · ARM VISIONS FCU |
| Nov 21, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance VISIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2016 · Amount on File |
| Deed Sale | Jun 2, 2016 · Amount on File |
| Prior Sale | Mar 3, 2016 · Amount on File |
| Deed Book / Page | 14058 / 565 |
| Prior Transfer Date | Dec 1, 2015 |
| Prior Transfer Doc | 0000014255 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 446 PHILO ST, NEW WINDSOR, NY 12553-6146 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000019912 |
|---|---|
| Date | Mar 16, 2022 |
| Book Page | 15181/1016 |
| Instrument | 20220019912 |
| Name | PRIMELENDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 446 PHILO ST, NEW WINDSOR, NY 12553-6146 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000028012 |
|---|---|
| Date | Apr 13, 2022 |
| Book Page | 15204/1599 |
| Instrument | 20220028012 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 446 PHILO ST, NEW WINDSOR, NY 12553-6146 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000027966 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 0000014390/0000000470 |
| Instrument | 20180027966 |
| Name | VISIONS FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 446 PHILO ST, NEW WINDSOR, NY 12553-6146 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000072839 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | 14638/714 |
| Instrument | 20190072839 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 446 PHILO ST, NEW WINDSOR, NY 12553-6146 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000081605 |
|---|---|
| Date | Nov 21, 2019 |
| Book Page | 14659/467 |
| Instrument | 20190081605 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
Source: Orange County and New Windsor Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Orange County |
| County Subdivision | New Windsor Town |
| Unified School District | Newburgh City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $36,800 Land $11,000 Building $25,800 | $376,300 | |
| 2024 | $8,379.00 | ||
| 2023 | $36,800 (-) Land $11,000 Building $25,800 | $335,200 (+15.03%) Land $100,196 Building $235,004 | |
| 2022 | $36,800 Land $11,000 Building $25,800 | $291,400 Land $87,103 Building $204,297 |
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.
FEMA maps place 446 Philo St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.
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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (1984) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1984 · Coastal Storms & 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.
The area around 446 Philo St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | NEW WINDSOR CONSOLIDATED WD serves 25,667 people · EPA ID NY3503580 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 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 324 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Spectrum Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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