497 Lower Rd, Westtown, NY 10998 Property Records

Orange County and Minisink Town property record for 497 Lower Rd, Westtown, NY 10998

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,170 sqft · built 2003
Lot Size	2 acres (87,120 sqft)
Owner	Company Name on Record
Last Sale	$304,000 (Oct 2004)
Tax Bill	$8,675 (2024)
Deeds & Mortgages	Dec 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`11-1-32.22`

Property Details

APN / Parcel Number

Primary APN	`11-1-32.22`
Alternative APNs	`388901100000010322200000` `333889 11-1-32.22`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,170 sqft Living Area
Gross Area	3,176 sqft
1st Floor Area	1,445 sqft
2nd Floor Area	725 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	860 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	11-1-32.22
Street Address	497 LOWER RD
City	WESTTOWN
State	NY
Zip	10998-4117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LT 2 RUTKOWSKI SUB 247-02FILED 11/20/02 NS LOWER RD
Legal Subdivision	RUTKOWSKI
Legal Block	1
Legal Lot Number	32.22
Jurisdiction	ORANGE NY
Township / Civil Division	MINISINK
Census Block Group	2
Census Block	2014
Census Tract	11702

Owner

Source: Orange County and Minisink Town records, as of April 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	497 LOWER RD, WESTTOWN, NY 10998-4117
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2004 · Amount on Record
Deed Sale	Oct 8, 2004 · Amount on Record
Deed Book / Page	11638 / 1057
Last Transfer Date	Nov 3, 2022
Transfer Doc	0000084046
Record Updated	Jun 8, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Dec 7, 2022
Property Address	497 LOWER RD, WESTTOWN, NY 10998-4117
Document Number	0000084046
Book / Page	15345 / 1591
Instrument Date	Nov 3, 2022
Instrument	20220084046
Transaction Type	Transfer
Record Updated	Dec 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	497 LOWER RD, WESTTOWN, NY 10998-4117

Tax Assessment & Valuation

Source: Orange County and Minisink Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
County Subdivision	Minisink Town
Unified School District	Minisink Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$133,800 (-) Land $37,700 Building $96,100	$462,000 (+13.88%)
2024	$8,675.00
2023		$133,800 (-) Land $37,700 Building $96,100	$405,700 (+14.35%) Land $114,312 Building $291,388
2022		$133,800 Land $37,700 Building $96,100	$354,800 Land $99,970 Building $254,830

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 26, 2023 · 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 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2015 · other causes

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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30