Orange County and Minisink Town property record for 540 Lower Rd, Westtown, NY 10998
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,385 sqft · built 2005 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $435,250 (Jul 2023) |
| Tax Bill | $10,895 (2024) |
| Deeds & Mortgages | Jul 2023 Refinance Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 333889 11-1-38 |
| Primary APN | 333889 11-1-38 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,385 sqft Living Area |
| Gross Area | 3,625 sqft |
| 1st Floor Area | 1,278 sqft |
| 2nd Floor Area | 1,338 sqft |
| Basement Area | 769 sqft |
| Finished Basement | 769 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Lot Area | 65,340 sqft (1.5 acres) |
| View / Lot | Rural |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 24 sqft |
| Porch | Covered Porch |
| Porch Area | 556 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 11-1-38 |
|---|---|
| Street Address | 540 LOWER RD |
| City | WESTTOWN |
| State | NY |
| Zip | 10998-4116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | LOT 2 ADELAIDE ESTATES WE |
| Legal Subdivision | ADELAIDE ESTATES WEST SUB |
| Legal Block | 1 |
| Legal Lot Number | 38.00 |
| Jurisdiction | ORANGE NY |
| Township / Civil Division | MINISINK |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 11702 |
Source: Orange County and Minisink Town 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 | Individual Name on Record |
|---|---|
| Mailing Address | 540 LOWER RD, WESTTOWN, NY 10998-4116 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance HUDSON UNITED MORTGAGE |
| Jul 28, 2020 | Deed of Trust, Mortgage · FHA Mortgage MAGNOLIA BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2023 · Amount on Record |
| Deed Sale | Jul 6, 2023 · Amount on Record |
| Prior Sale | Jul 28, 2020 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 540 LOWER RD, WESTTOWN, NY 10998-4116 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Title Company | AMTRUST TITLE INSURANCE COMPANY, AMTRUST TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000041612 |
|---|---|
| Date | Jul 6, 2023 |
| Book Page | 15441/1044 |
| Instrument | 20230041612 |
| Name | HUDSON UNITED MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 540 LOWER RD, WESTTOWN, NY 10998-4116 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000038762 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 14778/250 |
| Instrument | 20200038762 |
| Name | MAGNOLIA BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Orange County and Minisink Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Orange County |
| County Subdivision | Minisink Town |
| Unified School District | Minisink Valley Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $169,000 (-) Land $37,200 Building $131,800 | $583,600 (+13.9%) | |
| 2024 | $10,895.00 | ||
| 2023 | $169,000 (-) Land $37,200 Building $131,800 | $512,400 (+14.32%) Land $112,789 Building $399,611 | |
| 2022 | $169,000 Land $37,200 Building $131,800 | $448,200 Land $98,657 Building $349,543 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2015 · other causes |
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.
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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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