Rockland County and Ramapo Town property record for 45 Ross Ave, Spring Valley, NY 10977 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,714 sqft · built 1966 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Last Sale | $648,000 (Jul 2022) |
| Deeds & Mortgages | Jul 2022 Sale Aug 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 392615 63.18-1-12 |
| Primary APN | 392615 63.18-1-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,714 sqft Living Area |
| 1st Floor Area | 1,714 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Foundation Type | Raised |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Dimensions | 155 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 396 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00409660000 |
|---|---|
| Old Parcel Number | 261506301800010120000000 |
| Street Address | 45 ROSS AVE |
| City | SPRING VALLEY |
| State | NY |
| Zip | 10977-6911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:12.000 BLK:1 SEC:63.18 DIST:392615 CITY/MUNI/TWP:CHESTNUT RIDGE |
| Legal Subdivision | DEXTOR PARK |
| Legal Block | 1 |
| Legal Lot Number | 12.000 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | RAMAPO |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 12504 |
Source: Rockland County and Ramapo Town records · APN 392615 63.18-1-12
Assessment roll updated May 31, 2024 · Last verified January 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 45 ROSS AVE, CHESTNUT RIDGE, NY 10977-6911 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2022 | Bargain and Sale Deed, Transfer |
| Aug 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Apr 15, 2019 | Loan Modification, Mortgage · Conventional Mortgage QUICKEN LNS |
| Apr 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Dec 12, 2017 | Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 08, 2017 | Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 13, 2022 · Amount on Record |
| Deed Sale | Jul 13, 2022 · Amount on Record |
| Prior Sale | Dec 12, 2017 · Amount on Record |
| Deed Document Number | 0202225403 |
| Deed Book / Page | 2022 / 25403 |
| Record Updated | Jun 08, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Jul 13, 2022 |
| Property Address | 45 ROSS AVE, SPRING VALLEY, NY 10977-6911 |
| Document Number | 0000025403 |
| Map Reference | BK 66 PG 23 24 |
| Instrument Date | Jun 01, 2022 |
| Instrument | 2022-00025403 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,592.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 SOPHIA ST, MONSEY, NY 10952-2011 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 45 ROSS AVE, SPRING VALLEY, NY 10977-6911 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LAND TRACK TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000021822 |
|---|---|
| Date | Aug 05, 2020 |
| Instrument | 2020-00021822 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 45 ROSS AVE, SPRING VALLEY, NY 10977-6911 |
| Document Number | 0000020414 |
| Instrument Date | Apr 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2019 |
| Title Company | LAND TRACK TITLE AGENCY LLC, LAND TRACK TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 ROSS AVE SPRING VALLEY NY 109776911, SPRING VALLEY, NY 10977-6911 |
| Document Number | 0000020414 |
|---|---|
| Date | Jul 22, 2019 |
| Instrument | 20414 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 21, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.18% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 45 ROSS AVE, SPRING VALLEY, NY 10977-6911 |
| Document Number | 0000020413 |
| Instrument Date | Apr 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2019 |
| Title Company | LAND TRACK TITLE AGENCY LLC, LAND TRACK TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 ROSS AVE SPRING VALLEY NY 109776911, SPRING VALLEY, NY 10977-6911 |
| Document Number | 0000020413 |
|---|---|
| Date | Jul 22, 2019 |
| Instrument | 20413 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 21, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Dec 12, 2017 |
| Property Address | 45 ROSS AVE, SPRING VALLEY, NY 10977-6911 |
| Document Number | 0000039847 |
| Instrument Date | Dec 08, 2017 |
| Instrument | 39847 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | MADISON TITLE AGENCY LLC, MADISON TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,872.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 CAPE CT MONSEY NY 109524009, MONSEY, NY 10952-4009 |
| Document Number | 39848 |
|---|---|
| Date | Dec 12, 2017 |
| Instrument | 39848 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 11, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 45 ROSS AVE, SPRING VALLEY, NY 10977-6911 |
| Document Number | 0000039849 |
| Instrument Date | Dec 08, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Title Company | MADISON TITLE AGENCY LLC, MADISON TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 12 CAPE CT MONSEY NY 109524009, MONSEY, NY 10952-4009 |
| Document Number | 0000039849 |
|---|---|
| Date | Dec 12, 2017 |
| Instrument | 39849 |
| Name | USALLIANCE FCU |
|---|---|
| Type | Credit Union |
| Address | WOBURN, MA 01801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 11, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Rockland County and Ramapo Town records · Assessment roll updated May 31, 2024 · Last verified January 2026
| Type | Name |
|---|---|
| State | New York |
| County | Rockland County |
| County Subdivision | Ramapo Town |
| Municipality | Chestnut Ridge Village |
| Unified School District | East Ramapo Central School District (Spring Valley) (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2024 | $51,400 (-) Land $17,000 Building $34,400 | $662,371 (+964.91%) Land $219,072 Building $443,299 |
| 2023 | $51,400 Land $17,000 Building $34,400 | $62,200 Land $20,572 Building $41,628 |
Source: FEMA National Flood Hazard Layer, Rockland County (36087C), updated August 19, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360870125043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Sep 2021, rainfall accumulation, Remnants Of Hurricane Ida |
| Wildfire Risk | Low above 7% of the US · above 11% of New York |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 243 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Optimum Communications | Fiber | 8,000 / 8,000 |
| Verizon | Fiber | 980 / 880 |
| Optimum Communications | Cable | 940 / 35 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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