46 Truman Ave, Spring Valley, NY 10977 Property Records

Rockland County and Ramapo Town property record for 46 Truman Ave, Spring Valley, NY 10977

Property Summary

Property Type	Duplex
Details	8 bd · 4 ba · 4,981 sqft · built 2018
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Dec 2019 Loan Modification Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`392602 50.07-3-12.1`

Property Details

APN / Parcel Number

Primary APN	`392602 50.07-3-12.1`
Alternative APN	`00278840600`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	4,981 sqft Total Area
1st Floor Area	1,708 sqft
2nd Floor Area	1,856 sqft

Exterior

Year Built	Built 2018
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.139 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00278840600
Street Address	46 TRUMAN AVE
City	SPRING VALLEY
State	NY
Zip	10977-8187
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT:12.001 BLK:3 SEC:50.07 DIST:392602 CITY/MUNI/TWP:NEW SQUARE
Legal Subdivision	RIGHTEOUS REALTY LLC
Legal Block	3
Legal Lot Number	12.001
Jurisdiction	ROCKLAND NY
Township / Civil Division	RAMAPO
Census Block Group	1
Census Block	1003
Census Tract	11505

Owner

46 Truman Ave, a duplex, is owned and occupied by an individual who acquired it in November 2019.

Source: Rockland County and Ramapo Town records, as of December 26, 2025

Owner of Record	Individual Name on File
Mailing Address	46A TRUMAN AVE # AE, AE, SPRING VALLEY, NY 10977-8907
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2019	Loan Modification, Mortgage FEDERAL SVGS BK
Dec 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage FEDERAL SVGS BK
Nov 6, 2019	Quit Claim Deed, Transfer LAND TRACK TITLE AGENCY LLC, LAND TRACK TITLE AGCY LLC
Jul 27, 2018	Grant Deed, Transfer LAND TRACK TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 6, 2019
Transfer Doc	0000032289
Record Updated	Jun 8, 2026

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ROCKLAND NY
Property Address	46 TRUMAN AVE, SPRING VALLEY, NY 10977-8187
Document Number	0000002335
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Feb 7, 2020
Title Company	LAND TRACK TITLE AGENCY LLC, LAND TRACK TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 TRUMAN AVE #A SPRING VALLEY NY 109778187, A, SPRING VALLEY, NY 10977-8187

Mortgage

Document Number	0000002335
Date	Jan 17, 2020
Instrument	2335

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKLAND NY
Property Address	46 TRUMAN AVE, SPRING VALLEY, NY 10977-8187
Document Number	0000002334
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Feb 7, 2020
Title Company	LAND TRACK TITLE AGENCY LLC, LAND TRACK TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 TRUMAN AVE #A SPRING VALLEY NY 109778187, A, SPRING VALLEY, NY 10977-8187

Mortgage

Document Number	0000002334
Date	Jan 17, 2020
Instrument	2334

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROCKLAND NY
Recording Date	Nov 6, 2019
Property Address	46 TRUMAN AVE, SPRING VALLEY, NY 10977-8187
Document Number	0000032289
Instrument Date	Aug 20, 2019
Instrument	32289
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	LAND TRACK TITLE AGENCY LLC, LAND TRACK TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 TRUMAN AVE #A SPRING VALLEY NY 109778187, A, SPRING VALLEY, NY 10977-8187

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ROCKLAND NY
Recording Date	Jul 27, 2018
Property Address	46 TRUMAN AVE, SPRING VALLEY, NY 10977-8187
Document Number	0000022055
Instrument Date	Jul 13, 2018
Instrument	22055
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	LAND TRACK TITLE AGENCY LLC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 TRUMAN AVE #A SPRING VALLEY NY 109778187, A, SPRING VALLEY, NY 10977-8187

Tax Assessment & Valuation

Source: Rockland County and Ramapo Town assessment roll, as of May 31, 2024

Property Jurisdictions

Type	Name
State	New York
County	Rockland County
County Subdivision	Ramapo Town
Municipality	New Square Village
Unified School District	East Ramapo Central School District (Spring Valley) (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2024	$76,500 (-) Land $10,000 Building $66,500	$985,825 (+6,560.98%) Land $128,866 Building $856,959
2023	$76,500 Land $10,000 Building $66,500	$14,800 Land $1,935 Building $12,865

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 46 Truman Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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	1 in force
Nearby Flood Claims	4 (1978–2011)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Aug 2011 · Hurricane Irene

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

Wildfire risk around 46 Truman Ave 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Skywire Networks Fixed Wireless	1,000 / 1,000
Optimum Cable · Fiber in parts of the area	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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