5 Emil Ln, Garnerville, NY 10923 Property Records

Rockland County and Haverstraw Town property record for 5 Emil Ln, Garnerville, NY 10923

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,092 sqft · built 1971
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Dec 2020)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`392289 20.13-2-18`

Property Details

APN / Parcel Number

Primary APN	`392289 20.13-2-18`
Alternative APNs	`228902001300020180000000` `0009942`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,092 sqft Living Area
1st Floor Area	1,164 sqft
Basement Area	928 sqft
Finished Basement	928 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Architectural Style	Raised Ranch
Exterior Material	Composition/Composite
Lot Area	14,810 sqft (0.339 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	216 sqft
Patio Area	594 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0009942
Old Parcel Number	228902001300020180000000
Street Address	5 EMIL LN
City	GARNERVILLE
State	NY
Zip	10923-1005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	915
Legal Description	49.-4-12
Legal Subdivision	CHAPEL HILL HOMES SEC 02
Legal Block	2
Legal Lot Number	18.000
Jurisdiction	ROCKLAND NY
Township / Civil Division	HAVERSTRAW
Census Block Group	1
Census Block	1002
Census Tract	10501

Owner

5 Emil Ln is owned and occupied by an individual who bought it in December 2020.

Source: Rockland County and Haverstraw Town records, as of December 26, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5 EMIL LN, GARNERVILLE, NY 10923-1005
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2020 · Amount on File
Deed Sale	Dec 11, 2020 · Amount on File
Deed Document Number	0202037449
Deed Book / Page	2020 / 37449
Record Updated	Jun 8, 2026

December 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ROCKLAND NY
Recording Date	Dec 11, 2020
Property Address	5 EMIL LN, GARNERVILLE, NY 10923-1005
Document Number	0000037449
Map Reference	BK 78 PG 59 MAP 3908
Instrument Date	Nov 18, 2020
Instrument	2020-00037449
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	JUDICIAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39 MINUTEMAN CIR, 39, ORANGEBURG, NY 10962-2709

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	72 COOLIDGE ST, HAVERSTRAW, NY 10927-1033

Mortgage

Document Number	0000037450
Date	Dec 11, 2020
Instrument	2020-00037450

Lender

Name	FM HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Rockland County and Haverstraw Town assessment roll, as of May 31, 2024

Property Jurisdictions

Type	Name
State	New York
County	Rockland County
County Subdivision	Haverstraw Town
Unified School District	Haverstraw-Stony Point Central School District (North Rockland) (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2024	$280,250 (-) Land $122,000 Building $158,250	$481,033 (+5.2%) Land $209,406 Building $271,627
2023	$280,250 Land $122,000 Building $158,250	$457,252 Land $199,054 Building $258,198

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5 Emil Ln in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1979.

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	9 (1979–1999)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations

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

No wildfire likelihood is modeled around 5 Emil Ln, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no wildfire likelihood modeled here

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	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

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

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
Optimum Cable · Fiber in parts of the area	940 / 35