5 Charles St, Valley Falls, NY 12185 Property Records

Rensselaer County and Pittstown Town property record for 5 Charles St, Valley Falls, NY 12185

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,710 sqft · built 1890
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Dec 2025)
Tax Bill	$4,749 (2026)
Deeds & Mortgages	Dec 2025 Sale Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`383601 22.20-2-15`

Property Details

APN / Parcel Number

Primary APN	`383601 22.20-2-15`
Alternative APN	`281A186270`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,710 sqft Living Area
1st Floor Area	884 sqft
2nd Floor Area	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Porch	Slab
Porch Area	1,110 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	281A186270
Street Address	5 CHARLES ST
City	VALLEY FALLS
State	NY
Zip	12185-3436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	15.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	PITTSTOWN
Census Block Group	2
Census Block	2019
Census Tract	51800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Valley Falls Historic District listed 2018 · 157 contributing resources · NRIS 100003118

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Rensselaer County and Pittstown 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	30 MOMS LN, JOHNSONVILLE, NY 12094-3433
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Warranty Deed, Transfer
Oct 27, 2020	Deed of Trust, Mortgage · Conventional with PMI FLAGSTAR BK
Sep 17, 2019	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Aug 8, 2018	Grant Deed, Transfer
Aug 8, 2018	Trustee's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025 · Amount on Record
Deed Sale	Dec 8, 2025 · Amount on Record
Prior Sale	Aug 8, 2018 · Amount on Record
Deed Document Number	2025664847
Deed Book / Page	11141 / 106
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Dec 8, 2025
Property Address	5 CHARLES ST, VALLEY FALLS, NY 12185-3436
Document Number	0111410106
Book / Page	11141 / 106
Instrument Date	Sep 11, 2025
Instrument	2025-664847
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	30 MOMS LN, JOHNSONVILLE, NY 12094-3433

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	5 CHARLES ST, VALLEY FALLS, NY 12185-3436
Document Number	0000577366
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Nov 16, 2020
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CHARLES ST VALLEY FALLS NY 121853436, VALLEY FALLS, NY 12185-3436

Mortgage

Document Number	0000577366
Date	Nov 4, 2020
Book Page	009342/000320
Instrument	577366

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	5 CHARLES ST, VALLEY FALLS, NY 12185-3436
Document Number	0000558600
Instrument Date	Sep 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	WORLD CLASS ABSTRACT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18580 SE WOOD HAVEN LN #I TEQUESTA FL 334691177, I, TEQUESTA, FL 33469-1177

Mortgage

Document Number	0000558600
Date	Oct 11, 2019
Book Page	008974/000001
Instrument	558600

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Oct 10, 2039

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RENSSELAER NY
Recording Date	Aug 8, 2018
Property Address	5 CHARLES ST, VALLEY FALLS, NY 12185-3436
Document Number	0085850306
Book / Page	008585 / 000306
Instrument Date	Jun 11, 2018
Transaction Type	Transfer
Record Updated	Dec 11, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18580 SE WOOD HAVEN LN TEQUESTA FL 334691177, TEQUESTA, FL 33469-1177

August 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	RENSSELAER NY
Recording Date	Aug 8, 2018
Property Address	5 CHARLES ST, VALLEY FALLS, NY 12185-3436
Document Number	0085850309
Book / Page	008585 / 000309
Instrument Date	May 30, 2018
Transaction Type	Transfer
Record Updated	Dec 11, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 RIVERSIDE PARK NORH MECHANICVILLE NY 12118, MECHANICVILLE, NY 12118

Tax Assessment & Valuation

Source: Rensselaer County and Pittstown Town assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	New York
County	Rensselaer County
County Subdivision	Pittstown Town
Municipality	Valley Falls Village
Unified School District	Hoosic Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,749.00 (+4.19%)
2025	$4,558.00 (+6.57%)	$176,000 (-) Land $18,100 Building $157,900	$176,000 (-) Land $18,100 Building $157,900
2024	$4,277.00	$176,000 (+181.15%) Land $18,100 Building $157,900	$176,000 (+30.03%) Land $18,100 Building $157,900
2023		$62,600 Land $7,400 Building $55,200	$135,351 Land $16,000 Building $119,351

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 12, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	Direct burnable vegetation

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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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