Sullivan County and Rockland Town property record for 45 Cottage St, Roscoe, NY 12776
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,016 sqft · built 1860 |
| Lot Size | 0.256 acres (11,151 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $75,000 (Dec 2009) |
| Tax Bill | $5,699 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 484400 36.-4-4 |
| Primary APN | 484400 36.-4-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,016 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Upper Floors Area | 288 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,151 sqft (0.256 acres) |
| Lot Dimensions | 118 ft deep x 94.4 ft wide |
| Garage Type | Detached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 123 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 45 COTTAGE ST |
|---|---|
| City | ROSCOE |
| State | NY |
| Zip | 12776 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GB |
| Legal Description | JANE / LIFE ESTATE |
| Legal Block | 4 |
| Legal Lot Number | 4.000 |
| Jurisdiction | SULLIVAN NY |
| Township / Civil Division | ROCKLAND |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 950201 |
Source: Sullivan County and Rockland Town records, as of April 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 6, ROSCOE, NY 12776-0006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2009 · Amount on Record |
| Deed Sale | Dec 23, 2009 · Amount on Record |
| Prior Sale | Aug 2, 2007 · Amount on Record |
| Deed Book / Page | 3634 / 29 |
| Prior Transfer Date | Dec 18, 2009 |
| Prior Transfer Doc | 0036340029 |
| Record Updated | Oct 29, 2026 |
Source: Sullivan County and Rockland Town assessment roll, as of April 27, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Sullivan County |
| County Subdivision | Rockland Town |
| Unified School District | Roscoe Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,699.00 Homeowner's exemption | $100,000 (-) Land $9,800 Building $90,200 | $289,900 (+3.65%) Land $28,410 Building $261,490 |
| 2024 | $100,000 (-) Land $9,800 Building $90,200 | $279,700 (+19.99%) Land $27,411 Building $252,289 | |
| 2023 | $100,000 (+43.27%) Land $9,800 Building $90,200 | $233,100 (+75.33%) Land $22,844 Building $210,256 | |
| 2022 | Homeowner's exemption | $69,800 Land $9,800 Building $60,000 | $132,952 Land $18,667 Building $114,285 |
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 October 2, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 30 policies |
| Nearby Flood Policies | 30 in force |
| Nearby Flood Claims | 5 (1996–2026) |
| Most Recent Claim | Jul 2026 · 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 93% of the US · lower than 89% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | CORBETT COMMUNITY CORP. private · serves 93 people · EPA ID NY1200254 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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