Rockland County and Ramapo Town property record for 481 Viola Rd, Spring Valley, NY 10977
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,850 sqft · built 1967 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $23,249 (2024) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jul 2020 Loan Modification + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 392605 50.45-1-1 |
| Primary APN | 392605 50.45-1-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,850 sqft Living Area |
| 1st Floor Area | 1,274 sqft |
| Basement Area | 576 sqft |
| Finished Basement | 576 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Raised Ranch |
| Exterior Material | Composition |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 286 ft deep x 158 ft wide |
| View / Lot | Suburban |
| Garage Type | Basement |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00307440000 |
|---|---|
| Street Address | 481 VIOLA RD |
| City | SPRING VALLEY |
| State | NY |
| Zip | 10977-2540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 |
| Legal Subdivision | CANTERBURY WOODS/SPG VLY |
| Legal Block | 1 |
| Legal Lot Number | 1.0 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | RAMAPO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 12204 |
Source: Rockland County and Ramapo Town records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 481 VIOLA RD, SPRING VALLEY, NY 10977-2540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed of Trust, Mortgage · Line of Credit ALLIANT CREDIT UNION |
| Jul 22, 2020 | Loan Modification, Mortgage · Conventional Mortgage FM HM LOANS |
| Jul 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FM HM LOANS |
| Mar 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Jan 30, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Apr 23, 2026 |
| Property Address | 481 VIOLA RD, SPRING VALLEY, NY 10977-2540 |
| Document Number | 0000014038 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 202614038 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 481 VIOLA RD, SPRING VALLEY, NY 10977-2540 |
| Document Number | 0000014038, |
|---|---|
| Date | Apr 23, 2026 |
| Instrument | 202614038 |
| Name | ALLIANT CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.09% |
|---|---|
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 481 VIOLA RD, SPRING VALLEY, NY 10977-2540 |
| Document Number | 0000023440 |
| Instrument Date | Jul 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2020 |
| Title Company | MEISTER ABSTRACT CORPORATION, MEISTER ABSTRACT CORP |
| Name | Verified Name |
|---|---|
| Address | 481 VIOLA RD SPRING VALLEY NY 109772540, SPRING VALLEY, NY 10977-2540 |
| Document Number | 0000023440 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 23440 |
| Name | FM HM LOANS |
|---|---|
| Address | BROOKLYN, NY 11210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 18, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 481 VIOLA RD, SPRING VALLEY, NY 10977-2540 |
| Document Number | 0000023439 |
| Instrument Date | Jul 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2020 |
| Title Company | MEISTER ABSTRACT CORPORATION, MEISTER ABSTRACT CORP |
| Name | Verified Name |
|---|---|
| Address | 481 VIOLA RD SPRING VALLEY NY 109772540, SPRING VALLEY, NY 10977-2540 |
| Document Number | 0000023439 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 23439 |
| Name | FM HM LOANS |
|---|---|
| Address | BROOKLYN, NY 11210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 18, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 481 VIOLA RD, SPRING VALLEY, NY 10977-2540 |
| Document Number | 0000010776 |
| Instrument Date | Mar 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 481 VIOLA RD SPRING VALLEY NY 109772540, SPRING VALLEY, NY 10977-2540 |
| Document Number | 0000010776 |
|---|---|
| Date | Apr 5, 2018 |
| Instrument | 10776 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 4, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 481 VIOLA RD, SPRING VALLEY, NY 10977-2540 |
| Document Number | 0000021733 |
| Instrument Date | Jan 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 481 VIOLA RD SPRING VALLEY NY 109772540, SPRING VALLEY, NY 10977-2540 |
| Document Number | 0000021733 |
|---|---|
| Date | Jul 10, 2017 |
| Instrument | 21733 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 9, 2057 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.5% |
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 |
|---|---|---|---|
| 2024 | $23,249.00 Homeowner's exemption | $50,600 (-) Land $12,800 Building $37,800 | $50,600 (-) Land $12,800 Building $37,800 |
| 2023 | $50,600 Land $12,800 Building $37,800 | $50,600 Land $12,800 Building $37,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 3 (1978–1984) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Apr 1984 · Coastal Storms & Flooding |
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 98% of the US · lower than 97.9% 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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