45 Birch Dr, Middletown, NY 10940 Property Records

Orange County and Middletown City property record for 45 Birch Dr, Middletown, NY 10940

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,540 sqft · built 1989
Lot Size	0.143 acres (6,248 sqft)
Owner	Individual Name on Record
Last Sale	$341,000 (Sep 2025)
Tax Bill	$5,637 (2024)
Deeds & Mortgages	Jun 2022 Refinance Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`330900 54-2-24`

Property Details

APN / Parcel Number

Primary APN	`330900 54-2-24`
Alternative APNs	`090005400000020240000000` `0220002300` `54-2-24`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,540 sqft Living Area
1st Floor Area	770 sqft
2nd Floor Area	770 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Townhouse
Exterior Material	Wood
Lot Area	6,248 sqft (0.143 acres)
Lot Dimensions	284 ft deep x 22 ft wide
Porch	Open Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	0220002300
Street Address	45 BIRCH DR
City	MIDDLETOWN
State	NY
Zip	10940-6946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR-3B
Legal Subdivision	SWAN VILLAGE ESTATES INC
Legal Block	2
Legal Lot Number	24.00
Jurisdiction	ORANGE NY
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1005
Census Tract	1601

Owner

Source: Orange County and Middletown City 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	Individual Name on Record
Mailing Address	101 RUTH CT, MIDDLETOWN, NY 10940-5320
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON VALLEY FCU
Nov 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MUNICIPAL CU
Dec 20, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MUNICIPAL CU
Sep 23, 2025	Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2025 · Amount on Record
Deed Sale	Sep 23, 2025 · Amount on Record
Prior Sale	Oct 9, 2003 · Amount on Record
Deed Document Number	202561911
Deed Book / Page	15790 / 56
Prior Transfer Date	May 23, 2025
Prior Transfer Doc	0000039073
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	45 BIRCH DR, MIDDLETOWN, NY 10940-6946
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000044260
Date	Jun 13, 2022
Book Page	15253/122
Instrument	20220044260

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	45 BIRCH DR, MIDDLETOWN, NY 10940-6946
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078653
Date	Nov 23, 2021
Book Page	15099/108
Instrument	20210078653

Lender

Name	MUNICIPAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	109 Months
Due	Dec 1, 2030

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	45 BIRCH DR, MIDDLETOWN, NY 10940-6946
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075943
Date	Dec 20, 2024
Book Page	15664/1653
Instrument	20240075943

Lender

Name	MUNICIPAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2054

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Sep 23, 2025
Property Address	45 BIRCH DR, MIDDLETOWN, NY 10940-6946
Document Number	0000061911
Book / Page	15790 / 56
Instrument Date	Sep 3, 2025
Instrument	20250061911
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	AMTRUST TITLE INSURANCE COMPANY, AMTRUST TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 RUTH CT, MIDDLETOWN, NY 10940-5320

Mortgage

Document Number	0000061912
Date	Sep 23, 2025
Instrument	20250061912

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

Source: Orange County and Middletown City assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
Municipality	Middletown City
Unified School District	Middletown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$20,300 (-) Land $2,800 Building $17,500	$230,900 (+6.9%)
2024	$5,637.00	$20,300 (-) Land $2,800 Building $17,500	$216,000 (+6.4%)
2023		$20,300 (-) Land $2,800 Building $17,500	$203,000 (+17%) Land $28,000 Building $175,000
2022		$20,300 Land $2,800 Building $17,500	$173,500 Land $23,931 Building $149,569

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.

Flood

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	1 in force

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Water System	MIDDLETOWN CITY serves 30,000 people · EPA ID NY3503534
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Optimum.

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