Putnam County and Patterson Town property record for 45 Cross Rd, Patterson, NY 12563
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,762 sqft · built 1998 |
| Lot Size | 1.28 acres (55,757 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $420,000 (Nov 2017) |
| Tax Bill | $17,593 (2024) |
| Deeds & Mortgages | Jun 2020 Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372400 13.-2-30 |
| Primary APN | 372400 13.-2-30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,762 sqft Living Area |
| Gross Area | 4,614 sqft |
| 1st Floor Area | 1,386 sqft |
| 2nd Floor Area | 1,386 sqft |
| Basement Area | 990 sqft |
| Finished Basement | 990 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 55,757 sqft (1.28 acres) |
| Lot Width | 171 ft Width |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 444 sqft |
| Patio Area | 357 sqft |
| Gazebo | 120 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 45 CROSS RD |
|---|---|
| City | PATTERSON |
| State | NY |
| Zip | 12563-2721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Subdivision | OHARA SUBDIVISION |
| Legal Block | 2 |
| Legal Lot Number | 30.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | PATTERSON |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 10201 |
Source: Putnam County and Patterson Town 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45 CROSS RD, PATTERSON, NY 12563-2721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED NORTHERN MORTGAGE BANKERS LTD |
| Jul 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED NORTHERN MORTGAGE BANKERS LTD |
| Nov 9, 2017 | Deed, Transfer · Conventional Mortgage RESIDENTIAL HOME FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2017 · Amount on Record |
| Deed Sale | Nov 9, 2017 · Amount on Record |
| Prior Sale | Feb 24, 2011 · Amount on Record |
| Deed Document Number | 20171502895 |
| Deed Book / Page | 2061 / 145 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 45 CROSS RD, PATTERSON, NY 12563-2721 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | TITLELAND AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0070920300 |
|---|---|
| Date | Jun 9, 2020 |
| Book Page | 7092/300 |
| Instrument | 4374-2020 |
| Name | UNITED NORTHERN MORTGAGE BANKERS LTD |
|---|---|
| Type | Mortgage Company |
| Address | LEVITTOWN, NY 11756 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 45 CROSS RD, PATTERSON, NY 12563-2721 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | ACCOMMODATION |
| Name | Verified Name |
|---|
| Document Number | 0071160312 |
|---|---|
| Date | Jul 20, 2020 |
| Book Page | 7116/312 |
| Instrument | 5630-2020 |
| Name | UNITED NORTHERN MORTGAGE BANKERS LTD |
|---|---|
| Type | Mortgage Company |
| Address | LEVITTOWN, NY 11756 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Nov 9, 2017 |
| Property Address | 45 CROSS RD, PATTERSON, NY 12563-2721 |
| Document Number | 0020610145 |
| Book / Page | 2061 / 145 |
| Map Reference | MAP 2360 |
| Instrument Date | Feb 16, 2017 |
| Instrument | 1502895 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | FORTRESS TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 CROSS RD, 45, PATTERSON, NY 12563-2721 |
| Name | Verified Name |
|---|---|
| Address | 432 FOX RUN LN, CARMEL, NY 10512-2354 |
| Document Number | 0001603875 |
|---|---|
| Date | Nov 9, 2017 |
| Instrument | 1603875 |
| Name | RESIDENTIAL HOME FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Mar 1, 2047 |
Source: Putnam County and Patterson Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Patterson Town |
| Unified School District | Carmel Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $659,700 (+12.35%) Land $98,400 Building $561,300 | $659,700 (+12.35%) Land $98,400 Building $561,300 | |
| 2024 | $17,593.00 | ||
| 2023 | $587,200 (+15%) Land $87,500 Building $499,700 | $587,200 (+15%) Land $87,500 Building $499,700 | |
| 2022 | $510,600 Land $71,100 Building $439,500 | $510,600 Land $71,100 Building $439,500 |
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 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 |
| Nearby Flood Policies | 5 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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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