5 Elm St, Middletown, NY 10940 Property Records

Orange County and Middletown City property record for 5 Elm St, Middletown, NY 10940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,733 sqft · built 2014
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Aug 2019)
Tax Bill	$10,080 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`330900 22-1-10`

Property Details

APN / Parcel Number

Primary APN	`330900 22-1-10`
Alternative APNs	`090002200000010100000000` `0690000100` `22-1-10`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,733 sqft Living Area
Gross Area	1,798 sqft
1st Floor Area	733 sqft
2nd Floor Area	1,000 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Colonial
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	600 sqft
Porch	Covered Porch
Porch Area	221 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0690000100
Street Address	5 ELM ST
City	MIDDLETOWN
State	NY
Zip	10940-6103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR-2
Legal Block	1
Legal Lot Number	10.00
Jurisdiction	ORANGE NY
Township / Civil Division	MIDDLETOWN
Census Block Group	4
Census Block	4003
Census Tract	15100

Owner

5 Elm St is owned by two individuals who bought it in August 2019.

Source: Orange County and Middletown City records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 BIRCHWOOD LN, MIDDLETOWN, NY 10940-6688
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
Nov 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2019 · Amount on File
Deed Sale	Aug 21, 2019 · Amount on File
Prior Sale	Apr 10, 2015 · Amount on File
Deed Document Number	201960768
Deed Book / Page	14613 / 288
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	5 ELM ST, MIDDLETOWN, NY 10940-6103
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073785
Date	Nov 17, 2025
Book Page	15816/851
Instrument	20250073785

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	5 ELM ST, MIDDLETOWN, NY 10940-6103
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031154
Date	Apr 25, 2022
Book Page	15213/1955
Instrument	20220031154

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

Source: Orange County and Middletown City assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
Municipality	Middletown City
Unified School District	Middletown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$36,300 Land $5,600 Building $30,700	$413,000
2024	$10,080.00
2023		$36,300 (-) Land $5,600 Building $30,700	$363,000 (+16.98%) Land $56,000 Building $307,000
2022		$36,300 Land $5,600 Building $30,700	$310,300 Land $47,870 Building $262,430

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

FEMA maps place 5 Elm St in Zone X, an area of minimal flood risk.

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 Policies	2 in force

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 5 Elm St is low, with 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MIDDLETOWN CITY serves 30,000 people · EPA ID NY3503534
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 ppb (2021–2023) 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 379 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Greenlight Networks, Optimum, T-Mobile.

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