Rockland County and Ramapo Town property record for 45 S Cole Ave, Spring Valley, NY 10977
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 1,526 sqft · built 1983 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Company Name on File |
| Last Sale | $477,000 (Nov 2021) |
| Tax Bill | $18,945 (2025) |
| Deeds & Mortgages | Aug 2026 Construction Loan Aug 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 392605 57.53-1-50 |
| Primary APN | 392605 57.53-1-50 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,526 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| 2nd Floor Area | 494 sqft |
| Game Room | Game Room |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 93 ft deep x 52 ft wide |
| View / Lot | Suburban |
| Porch | Open Porch |
| Porch Area | 322 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00292480000 |
|---|---|
| Street Address | 45 COLE AVE S |
| State | NY |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Subdivision | G & G PARK |
| Legal Block | 1 |
| Legal Lot Number | 50.0 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | RAMAPO |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 12401 |
45 S Cole Ave, a duplex, is owned by a company that acquired it in June 2026.
Source: Rockland County and Ramapo Town records, as of October 7, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 89 N COLE AVE, SPRING VALLEY, NY 10977-3834 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 31, 2026 | Deed of Trust, Mortgage · Construction Mortgage CONVENTUS LLC |
| Aug 31, 2026 | Deed of Trust, Mortgage · Commercial Mortgage CONVENTUS LLC |
| Jun 9, 2026 | Correction Deed |
| Jul 7, 2025 | Bargain and Sale Deed, Transfer |
| Nov 15, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage LOAN DEPOT INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 15, 2021 · Amount on File |
| Deed Sale | Nov 15, 2021 · Amount on File |
| Prior Sale | Jun 7, 2004 · Amount on File |
| Deed Document Number | 202149176 |
| Last Transfer Date | Jun 9, 2026 |
| Transfer Doc | 0000019738 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Aug 31, 2026 |
| Property Address | 45 S COLE AVE, SPRING VALLEY, NY 10977-5413 |
| Document Number | 0000029999 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 202629999 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000029999, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 202629999 |
| Name | CONVENTUS LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Sep 1, 2028 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Aug 31, 2026 |
| Property Address | 45 S COLE AVE, SPRING VALLEY, NY 10977-5413 |
| Document Number | 0000029996 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 202629996 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000029996, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 202629996 |
| Name | CONVENTUS LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Sep 1, 2028 |
| Max Rate | -1% |
|---|
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Jun 9, 2026 |
| Property Address | 45 S COLE AVE, SPRING VALLEY, NY 10977-5413 |
| Document Number | 0000019738 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 202619738 |
| Record Updated | Aug 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 N COLE AVE, SPRING VALLEY, NY 10977-3834 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Jul 7, 2025 |
| Property Address | 45 S COLE AVE, SPRING VALLEY, NY 10977-5413 |
| Document Number | 0000020266 |
| Map Reference | BK 99 PG 23 |
| Instrument Date | Dec 10, 2024 |
| Instrument | 2025-00020266 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17 JILL LN, MONSEY, NY 10952-2645 |
| Name | Verified Name |
|---|---|
| Address | 89 N COLE AVE, SPRING VALLEY, NY 10977-3834 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Nov 15, 2021 |
| Property Address | 45 S COLE AVE, SPRING VALLEY, NY 10977-5413 |
| Document Number | 0000049176 |
| Map Reference | BK 94 PG 10 MAP 5029 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021-00049176 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,908.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 SCHEVCHENKO PL, SPRING VALLEY, NY 10977-3849 |
| Document Number | 0000049177 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 2021-00049177 |
| Name | LOAN DEPOT INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 45 S Cole Ave was $18,945.
Source: Rockland County and Ramapo Town assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | New York |
| County | Rockland County |
| County Subdivision | Ramapo Town |
| Municipality | Spring Valley Village |
| Unified School District | East Ramapo Central School District (Spring Valley) (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,945.00 | ||
| 2024 | $39,900 (-) Land $9,100 Building $30,800 | $38,800 (-) | |
| 2023 | $18,177.00 | $39,900 Land $9,100 Building $30,800 | $38,800 Land $8,849 Building $29,951 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 45 S Cole Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.
Source: FEMA National Flood Hazard Layer, effective August 19, 2025 · 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 (1999) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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.
The area around 45 S Cole Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | VEOLIA WATER NEW YORK private · serves 270,000 people · EPA ID NY4303673 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2023 |
| Lead | 3 ppb (2026) 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 373 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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