51 Lake Celeste Dr, Garrison, NY 10524 Property Records

Putnam County and Philipstown Town property record for 51 Lake Celeste Dr, Garrison, NY 10524

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 1955
Lot Size	4.37 acres (190,357 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Apr 2019)
Tax Bill	$12,126 (2024)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372689 72.14-1-4`

Property Details

APN / Parcel Number

Primary APN	`372689 72.14-1-4`
Alternative APNs	`268907201400010040000000` `149525`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,408 sqft Living Area
Gross Area	1,672 sqft
1st Floor Area	1,408 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	190,357 sqft (4.37 acres)
Lot Width	51 ft Width
View / Lot	Waterfront
Porch	Screened Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	149525
Street Address	51 LAKE CELESTE DR
City	GARRISON
State	NY
Zip	10524-3728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Block	1
Legal Lot Number	4.000
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	1
Census Block	1006
Census Tract	10800

Owner

51 Lake Celeste Dr is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	51 LAKE CELESTE DR, GARRISON, NY 10524-3728
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	Apr 2, 2019 · Amount on File
Deed Sale	Apr 2, 2019 · Amount on File
Deed Document Number	20191500872
Deed Book / Page	2108 / 154
Record Updated	Oct 29, 2026

April 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Apr 2, 2019
Property Address	51 LAKE CELESTE DR, GARRISON, NY 10524-3728
Document Number	0021080154
Book / Page	2108 / 154
Instrument Date	Mar 22, 2019
Instrument	1500872
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	JUDICIAL TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49 W 12TH ST, 49, NEW YORK, NY 10011-8562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3360 21ST ST APT 15A, 15A, ASTORIA, NY 11106-4259

Mortgage

Document Number	0001600904
Date	Apr 2, 2019
Instrument	1600904

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

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	Lakeland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$167,800 Land $71,900 Building $95,900	$547,114
2024	$12,126.00
2023		$164,300 (-) Land $71,900 Building $92,400	$466,496 (+11.73%) Land $204,145 Building $262,351
2022		$164,300 Land $71,900 Building $92,400	$417,535 Land $182,719 Building $234,816

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 51 Lake Celeste Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 51 Lake Celeste Dr is low, with a 0.02% 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	0.02% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Optimum Cable	940 / 35