446 Rte 403, Garrison, NY 10524 Property Records

Putnam County and Philipstown Town property record for 446 Rte 403, Garrison, NY 10524

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 5,179 sqft · built 1895
Lot Size	6.72 acres (292,723 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Jul 2020)
Tax Bill	$26,377 (2024)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372689 71.6-1-15`

Property Details

APN / Parcel Number

Primary APN	`372689 71.6-1-15`
Alternative APN	`268907100600010150000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	5,179 sqft Living Area
1st Floor Area	3,792 sqft
Upper Floors Area	1,387 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Old Style
Exterior Material	Concrete
Lot Area	292,723 sqft (6.72 acres)
Lot Width	191 ft Width
View / Lot	Waterfront
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Open Porch
Patio Area	624 sqft
Tennis Court	Tennis Court

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	446 ROUTE 403
City	GARRISON
State	NY
Zip	10524-3358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Description	LAND & RESIDENCE
Legal Subdivision	SECTION 13 OF THE LIEN LAW
Legal Block	1
Legal Lot Number	15.00
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	2
Census Block	2015
Census Tract	10800

Owner

Source: Putnam County and Philipstown Town assessment roll, 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 File
Mailing Address	446 ROUTE 403, GARRISON, NY 10524-3358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 15, 2020 · Amount on Record
Deed Sale	Jul 15, 2020 · Amount on Record
Prior Sale	Nov 20, 1998 · Amount on Record
Deed Document Number	202054992020
Deed Book / Page	2166 / 34
Record Updated	Jun 8, 2026

July 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Jul 15, 2020
Property Address	446 ROUTE 403, GARRISON, NY 10524-3333
Document Number	0021660034
Book / Page	2166 / 34
Instrument Date	Jun 26, 2020
Instrument	5499-2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	HILL N DALE ABSTRACTERS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 VANDERBILT AVE, BROOKLYN, NY 11238-2209

Mortgage

Document Number	0000711465
Date	Jul 15, 2020
Instrument	7114/65

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.12%
Index	6-Month LIBOR
Max Rate	7.12%

Tax Assessment & Valuation

Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Putnam County
County Subdivision	Philipstown Town
Unified School District	Garrison Union Free School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$625,400 (-) Land $228,200 Building $397,200	$2,039,126 (+14.84%)
2024	$26,377.00
2023		$625,400 (-) Land $228,200 Building $397,200	$1,775,696 (+11.73%) Land $647,927 Building $1,127,769
2022		$625,400 Land $228,200 Building $397,200	$1,589,327 Land $579,924 Building $1,009,403

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Severe Storms And Flooding, Jul 2023 · 2 claims Hurricane Sandy, Oct 2012 · 5 claims Hurricane Irene, Aug 2011 · 4 claims

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

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 at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GARRISON LANDING WS serves 84 people · EPA ID NY3903653
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications Cable	940 / 35