Rockland County and Ramapo Town property record for 46 Garden Ter, Spring Valley, NY 10977
| Property Type | Condominium |
|---|---|
| Details | 8 bd · 4 ba · 4,315 sqft · built 2020 |
| Lot Size | 0.03 acres (1,307 sqft) |
| Owner | Company Name on File |
| Deeds & Mortgages | Dec 2023 Mortgage Sep 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 392689 49.12-2-52.11-1801 |
| Primary APN | 392689 49.12-2-52.11-1801 |
|---|---|
| Alternative APN |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 3 Stories |
| Building Area | 4,315 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 1,307 sqft (0.03 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00458921000 |
|---|---|
| Street Address | 46 GARDEN TER |
| City | SPRING VALLEY |
| State | NY |
| Zip | 10977-2118 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | LOT:52.011 BLK:2 SEC:49.12 DIST:392689 CITY/MUNI/TWP:RAMAPO (TOV) |
| Legal Subdivision | VIOLA ESTATES CONDO |
| Legal Block | 2 |
| Legal Lot Number | 52.011 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | RAMAPO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 12112 |
46 Garden Ter, a condominium, is owned by a company that acquired it in September 2023.
Source: Rockland County and Ramapo Town records, as of December 26, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 6 GROSSER LN, MONSEY, NY 10952-1801 |
| Owner Type | 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 |
|---|---|
| Dec 6, 2023 | Deed of Trust, Mortgage · Commercial Mortgage NYRFP LLC |
| Sep 26, 2023 | Condominium Deed, Transfer |
| Jan 19, 2022 | Condominium Deed, Transfer · Conventional Mortgage LOAN DEPOT INC |
| Jan 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHEAST COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2023 |
| Deed Sale | Sep 26, 2023 |
| Prior Sale | Jan 19, 2022 · Amount on File |
| Deed Document Number | 0202329258 |
| Deed Book / Page | 2023 / 29258 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 46 GARDEN TER, SPRING VALLEY, NY 10977-2118 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000036541 |
|---|---|
| Date | Dec 6, 2023 |
| Instrument | 2023-00036541 |
| Name | NYRFP LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Sep 26, 2023 |
| Property Address | 46 GARDEN TER, SPRING VALLEY, NY 10977-2118 |
| Document Number | 0000029258 |
| Map Reference | IN 2018-00022666 |
| Instrument Date | Sep 7, 2023 |
| Instrument | 2023-00029258 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6 GROSSER LN, MONSEY, NY 10952-1801 |
| Name | Verified Name |
|---|---|
| Address | 6 GROSSER LN, MONSEY, NY 10952-1801 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Jan 19, 2022 |
| Property Address | 46 GARDEN TER, SPRING VALLEY, NY 10977-2118 |
| Document Number | 0000002271 |
| Map Reference | IN 2018-00006262 |
| Instrument Date | Jan 11, 2022 |
| Instrument | 2022-00002271 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5 EASTVIEW RD, 5, MONSEY, NY 10952-2908 |
| Name | Verified Name |
|---|---|
| Address | 6 GROSSER LN, MONSEY, NY 10952-1801 |
| Document Number | 0000002273 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | 2022-00002273 |
| Name | LOAN DEPOT INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 46 GARDEN TER, SPRING VALLEY, NY 10977-2118 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000996 |
|---|---|
| Date | Jan 8, 2020 |
| Instrument | 2020-00000996 |
| Name | NORTHEAST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
Source: Rockland County and Ramapo Town assessment roll, as of May 31, 2024
| Type | Name |
|---|---|
| State | New York |
| County | Rockland County |
| County Subdivision | Ramapo Town |
| Unified School District | East Ramapo Central School District (Spring Valley) (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2024 | $56,600 (-) Land $5,000 Building $51,600 | $729,381 (-31.97%) Land $64,433 Building $664,948 |
| 2023 | $56,600 (-) Land $5,000 Building $51,600 | $1,072,100 (-) Land $94,708 Building $977,392 |
| 2022 | $56,600 Land $5,000 Building $51,600 | $1,072,100 Land $94,708 Building $977,392 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Garden Ter in Zone X, an area of minimal flood risk.
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 | 2 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.
Wildfire risk around 46 Garden Ter is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 347 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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