5 Rocky Rd, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 5 Rocky Rd, Cold Spring, NY 10516

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,682 sqft · built 1938
Lot Size	1.82 acres (79,279 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (Jul 2026)
Tax Bill	$7,463 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372689 71.-2-28`

Property Details

APN / Parcel Number

Primary APN	`372689 71.-2-28`
Alternative APNs	`268907100000020280000000` `095400`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,682 sqft Living Area
1st Floor Area	907 sqft
2nd Floor Area	775 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Lot Area	79,279 sqft (1.82 acres)
Lot Width	100 ft Width
View / Lot	Waterfront
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	104 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	095400
Street Address	5 ROCKY RD
City	COLD SPRING
State	NY
Zip	10516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Description	LAND & RESIDENCE
Legal Block	2
Legal Lot Number	28.00
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	2
Census Block	2010
Census Tract	10800

Owner

Source: Putnam County and Philipstown Town records, as of August 18, 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	5 ROCKY LN, GARRISON, NY 10524-3810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2026 · Amount on Record
Deed Sale	Jul 27, 2026 · Amount on Record
Prior Sale	Sep 14, 2000 · Amount on Record
Deed Document Number	20264694
Deed Book / Page	2450 / 128
Record Updated	Sep 20, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Jul 27, 2026
Property Address	5 ROCKY RD, COLD SPRING, NY 10516
Document Number	0000004694
Book / Page	2450 / 128
Instrument Date	Jul 15, 2026
Instrument	20264694
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	JUDICIAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246,440.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 ROCKY LN, GARRISON, NY 10524-3810

Mortgage

Document Number	0000004695,
Date	Jul 27, 2026
Book Page	8131/161
Instrument	20264695

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	5 ROCKY LN, GARRISON, NY 10524-3810
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	FREEDOM ABSTRACT INC, FREEDOM ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 ROCKY LN, GARRISON, NY 10524-3810

Mortgage

Document Number	0072790175
Date	Feb 18, 2021
Book Page	7279/175
Instrument	2154-2021

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Putnam County
County Subdivision	Philipstown Town
Unified School District	Garrison Union Free School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,463.00 (-11.33%)	$210,365 (-) Land $96,200 Building $114,165	$685,898 (+14.84%)
2024	$8,417.00
2023		$210,365 (-) Land $96,200 Building $114,165	$597,288 (+11.73%) Land $273,140 Building $324,148
2022		$210,365 Land $96,200 Building $114,165	$534,600 Land $244,473 Building $290,127

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 March 4, 2013 · 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
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	11 (2011–2023)
Claims Outside the SFHA	10 of 11
Most Recent Claim	Jul 2023 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2023 · 2 claims Hurricane Sandy, Oct 2012 · 5 claims Hurricane Irene, Aug 2011 · 4 claims

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

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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