51 Cottage St, Middletown, NY 10940 Property Records

Orange County and Middletown City property record for 51 Cottage St, Middletown, NY 10940

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,220 sqft · built 1900
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$168,600 (Dec 2018)
Tax Bill	$5,831 (2024)
Deeds & Mortgages	May 2022 Refinance Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`330900 26-2-18`

Property Details

APN / Parcel Number

Primary APN	`330900 26-2-18`
Alternative APNs	`090002600000020180000000` `0520002000` `26-2-18`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,220 sqft Living Area
Gross Area	2,284 sqft
1st Floor Area	972 sqft
2nd Floor Area	852 sqft
Basement Area	396 sqft
Finished Basement	396 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1926
Architectural Style	Old Style
Exterior Material	Wood
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	104 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0520002000
Street Address	51 COTTAGE ST
City	MIDDLETOWN
State	NY
Zip	10940-4837
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	DMU
Legal Block	2
Legal Lot Number	18.00
Jurisdiction	ORANGE NY
Township / Civil Division	MIDDLETOWN
Census Block Group	4
Census Block	4006
Census Tract	1100

Owner

Source: Orange County and Middletown City 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	Company Name on Record
Mailing Address	412 N MAIN ST, 301, MONROE, NY 10950-3071
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON VALLEY FCU
Dec 21, 2018	Deed of Trust, Mortgage · Unknown HUDSON VALLEY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2018 · Amount on Record
Deed Sale	Dec 5, 2018 · Amount on Record
Deed Document Number	201885455
Deed Book / Page	14496 / 818
Prior Transfer Date	May 9, 2003
Prior Transfer Doc	1123001668
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	51 COTTAGE ST, MIDDLETOWN, NY 10940-4837
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039004
Date	May 24, 2022
Book Page	15237/593
Instrument	20220039004

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	51 COTTAGE ST, MIDDLETOWN, NY 10940-4837
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089649
Date	Dec 21, 2018
Book Page	14504/1182
Instrument	20180089649

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union

Agreement

Type	Unknown
Amount	Amount Recorded

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		$21,000 (-) Land $4,600 Building $16,400	$238,900 (+13.76%)
2024	$5,831.00
2023		$21,000 (-) Land $4,600 Building $16,400	$210,000 (+16.99%) Land $46,000 Building $164,000
2022		$21,000 Land $4,600 Building $16,400	$179,500 Land $39,319 Building $140,181

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 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 Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2013 · rainfall accumulation

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	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
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: Optimum, T-Mobile.

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