Orange County and Minisink Town property record for 498 Lower Rd, Westtown, NY 10998
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,947 sqft · built 2001 |
| Lot Size | 2.3 acres (100,188 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $319,900 (Jul 2003) |
| Tax Bill | $7,786 (2024) |
| Deeds & Mortgages | Sep 2025 Line of Credit May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-1-32.12 |
| Primary APN | 11-1-32.12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,947 sqft Living Area |
| 1st Floor Area | 1,310 sqft |
| Basement Area | 637 sqft |
| Finished Basement | 637 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 100,188 sqft (2.3 acres) |
| View / Lot | Rural |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 11-1-32.12 |
|---|---|
| Street Address | 498 LOWER RD |
| City | WESTTOWN |
| State | NY |
| Zip | 10998-4118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | LT 2 MCGOVERN & FERRANTE SUB MAP 203-01 |
| Legal Subdivision | MCGOVERN & FERRANTE |
| Legal Block | 1 |
| Legal Lot Number | 32.12 |
| Jurisdiction | ORANGE NY |
| Township / Civil Division | MINISINK |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 11702 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 498 LOWER RD, WESTTOWN, NY 10998-4118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 25, 2025 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| May 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2003 · Amount on Record |
| Deed Sale | Jul 25, 2003 · Amount on Record |
| Prior Sale | Sep 17, 2002 · Amount on Record |
| Deed Book / Page | 11129 / 715 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 498 LOWER RD, WESTTOWN, NY 10998-4118 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000062480 |
|---|---|
| Date | Sep 25, 2025 |
| Book Page | 15791/1098 |
| Instrument | 20250062480 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 498 LOWER RD, WESTTOWN, NY 10998-4118 |
| Document Number | 0000050108 |
| Instrument Date | May 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2019 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Address | 498 LOWER RD WESTTOWN NY 109984118, WESTTOWN, NY 10998-4118 |
| Document Number | 0000050108 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 014595/000521 |
| Instrument | 50108 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 16, 2034 |
Source: Orange County and Minisink Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Orange County |
| County Subdivision | Minisink Town |
| Unified School District | Minisink Valley Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $120,100 (-) Land $38,000 Building $82,100 | $414,700 (+13.87%) | |
| 2024 | $7,786.00 | ||
| 2023 | $120,100 (-) Land $38,000 Building $82,100 | $364,200 (+14.35%) Land $115,234 Building $248,966 | |
| 2022 | $120,100 Land $38,000 Building $82,100 | $318,500 Land $100,774 Building $217,726 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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.
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 |
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