Orange County and Middletown City property record for 45 Cottage St, Middletown, NY 10940
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,106 sqft · built 1900 |
| Lot Size | 0.087 acres (3,800 sqft) |
| Owner | Company Name on File |
| Last Sale | $141,900 (Dec 2018) |
| Tax Bill | $4,582 (2024) |
| Deeds & Mortgages | May 2022 Refinance Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 330900 26-2-22 |
| Primary APN | 330900 26-2-22 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,106 sqft Living Area |
| Gross Area | 2,141 sqft |
| 1st Floor Area | 1,080 sqft |
| 2nd Floor Area | 1,026 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Old Style |
| Exterior Material | Wood |
| Lot Area | 3,800 sqft (0.087 acres) |
| Lot Dimensions | 160 ft deep x 25 ft wide |
| Porch | Enclosed Porch |
| Porch Area | 89 sqft |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0520001600 |
|---|---|
| Street Address | 45 COTTAGE ST |
| City | MIDDLETOWN |
| State | NY |
| Zip | 10940-4837 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | DMU |
| Legal Block | 2 |
| Legal Lot Number | 22.00 |
| Jurisdiction | ORANGE NY |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 1100 |
Source: Orange County and Middletown City 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 | Company Name on File |
|---|---|
| Mailing Address | 412 N MAIN ST, 301, MONROE, NY 10950-3071 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| May 24, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON VALLEY FCU |
| Dec 21, 2018 | Deed of Trust, Mortgage · Unknown HUDSON VALLEY FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 5, 2018 · Amount on Record |
| Deed Sale | Dec 5, 2018 · Amount on Record |
| Prior Sale | Nov 12, 1999 · Amount on Record |
| Deed Document Number | 201885457 |
| Deed Book / Page | 14496 / 826 |
| Prior Transfer Date | May 9, 2003 |
| Prior Transfer Doc | 1123001673 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 45 COTTAGE ST, MIDDLETOWN, NY 10940-4837 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000039004 |
|---|---|
| Date | May 24, 2022 |
| Book Page | 15237/593 |
| Instrument | 20220039004 |
| Name | HUDSON VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 45 COTTAGE ST, MIDDLETOWN, NY 10940-4837 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000089649 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | 14504/1182 |
| Instrument | 20180089649 |
| Name | HUDSON VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
Source: Orange County and Middletown City assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Orange County |
| Municipality | Middletown City |
| Unified School District | Middletown City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $16,500 (-) Land $2,800 Building $13,700 | $187,700 (+13.76%) | |
| 2024 | $4,582.00 | ||
| 2023 | $16,500 (-) Land $2,800 Building $13,700 | $165,000 (+17.02%) Land $28,000 Building $137,000 | |
| 2022 | $16,500 Land $2,800 Building $13,700 | $141,000 Land $23,927 Building $117,073 |
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.
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 Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2013 · rainfall accumulation |
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 | Not rated no burnable land within ember reach |
|---|
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 |
| 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 613 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Holding Fiber | 8,000 / 8,000 |
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Optimum Communications, T-Mobile USA.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures