Rockland County and Clarkstown Town property record for 451 Storms Rd, Valley Cottage, NY 10989
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,924 sqft · built 1982 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $825,000 (Sep 2022) |
| Tax Bill | $20,438 (2023) |
| Deeds & Mortgages | Dec 2021 Mortgage Dec 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 392089 59.11-2-17 |
| Primary APN | 392089 59.11-2-17 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,924 sqft Living Area |
| 1st Floor Area | 1,844 sqft |
| Basement Area | 1,080 sqft |
| Finished Basement | 1,080 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 52,272 sqft (1.2 acres) |
| Garage Type | Basement |
| Porch | Open Porch |
|---|---|
| Porch Area | 618 sqft |
| Patio Area | 180 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 122A30.2 |
|---|---|
| Street Address | 451 STORMS RD |
| City | VALLEY COTTAGE |
| State | NY |
| Zip | 10989-1215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 |
| Legal Description | NICHOLAS STELLAS LOT 2 122-A-30.2 |
| Legal Subdivision | NICHOLAS STELLAS |
| Legal Block | 2 |
| Legal Lot Number | 17.0 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | CLARKSTOWN |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 11102 |
Source: Rockland County and Clarkstown Town records, as of April 28, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 6837 108TH ST, FOREST HILLS, NY 11375-3368 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Dec 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK |
| Dec 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK |
| Sep 7, 2022 | Bargain and Sale Deed, Transfer |
| Sep 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK |
| Sep 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK |
| May 30, 2019 | Bargain and Sale Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2022 · Amount on Record |
| Deed Sale | Sep 7, 2022 · Amount on Record |
| Prior Sale | May 30, 2019 · Amount on Record |
| Prior Transfer Date | Feb 2, 2015 |
| Prior Transfer Doc | 0000002988 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 451 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000054035 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 2021-00054035 |
| Name | JP MORGAN CHASE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 451 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000054034 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 2021-00054034 |
| Name | JP MORGAN CHASE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Sep 7, 2022 |
| Property Address | 451 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Document Number | 0000032388 |
| Map Reference | LB 1052 PG 456 |
| Instrument Date | Sep 6, 2022 |
| Instrument | 2022-00032388 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6837 108TH ST, FOREST HILLS, NY 11375-3368 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 451 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLEVEST AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000025715 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 2020-00025715 |
| Name | JP MORGAN CHASE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 451 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLEVEST AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000025714 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 2020-00025714 |
| Name | JP MORGAN CHASE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | May 30, 2019 |
| Property Address | 451 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Document Number | 0000015735 |
| Instrument Date | May 24, 2019 |
| Instrument | 2019-00015735 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | JUDICIAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,000.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 451 STORMS RD, VALLEY COTTAGE, NY 10989-1215 |
| Document Number | 0000015736 |
|---|---|
| Date | May 30, 2019 |
| Instrument | 2019-00015736 |
| Name | JP MORGAN CHASE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Rate Type | Fixed Rate |
|---|
Source: Rockland County and Clarkstown Town assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | New York |
| County | Rockland County |
| County Subdivision | Clarkstown Town |
| Unified School District | Nyack Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $172,960 (-) Land $50,200 Building $122,760 | $140,000 (-) | |
| 2023 | $20,438.00 | $172,960 Land $50,200 Building $122,760 | $140,000 Land $40,634 Building $99,366 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Policies | 3 in force |
| Nearby Flood Claims | 17 (1979–2026) |
| Claims Outside the SFHA | 9 of 17 |
| Most Recent Claim | Aug 2026 · rainfall accumulation |
| 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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 | 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 229 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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