61 Cottage St, Roscoe, NY 12776 Property Records

Sullivan County and Rockland Town property record for 61 Cottage St, Roscoe, NY 12776

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,380 sqft · built 1945
Lot Size	0.117 acres (5,104 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Nov 2025)
Tax Bill	$3,849 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`484400 36.-4-12`

Property Details

APN / Parcel Number

Primary APN	`484400 36.-4-12`
Alternative APN	`4400036 0004012000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,380 sqft Living Area
1st Floor Area	801 sqft
2nd Floor Area	579 sqft
Game Room	Game Room

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,104 sqft (0.117 acres)
Lot Dimensions	88 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	299 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	61 COTTAGE ST
City	ROSCOE
State	NY
Zip	12776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GB
Legal Block	4
Legal Lot Number	12.000
Jurisdiction	SULLIVAN NY
Township / Civil Division	ROCKLAND
Census Block Group	2
Census Block	2026
Census Tract	950201

Owner

61 Cottage St is owned by an individual who bought it in November 2025.

Source: Sullivan County and Rockland Town records, as of April 27, 2026

Owner of Record	Individual Name on File
Mailing Address	12 CHURCH ST, 3, LIVINGSTON MANOR, NY 12758-5228
Owner Type	Individual
Vesting	Individual(s)

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

Date	Document
Nov 25, 2025	Deed, Transfer · Conventional Mortgage NAVY FCU
Aug 15, 2023	Deed, Transfer · Stand-Alone First Mortgage DIME BANK
Jul 8, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2025 · Amount on File
Deed Sale	Nov 25, 2025 · Amount on File
Prior Sale	Aug 15, 2023 · Amount on File
Record Updated	Oct 29, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SULLIVAN NY
Recording Date	Nov 25, 2025
Property Address	61 COTTAGE ST, ROSCOE, NY 12776
Document Number	0000000928
Instrument Date	Nov 18, 2025
Instrument	2025-8928
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CHURCH ST # 3, 3, LIVINGSTON MANOR, NY 12758-5228

Mortgage

Document Number	0000000929
Date	Nov 25, 2025
Instrument	2025-8929

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SULLIVAN NY
Recording Date	Aug 15, 2023
Property Address	61 COTTAGE ST, ROSCOE, NY 12776
Document Number	0000000590
Instrument Date	Jul 25, 2023
Instrument	2023-6590
Transaction Type	Transfer
Record Updated	Sep 5, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4544 STATE ROUTE 17B, CALLICOON, NY 12723-6323

Mortgage

Document Number	0000000591
Date	Aug 15, 2023
Instrument	2023-6591

Lender

Name	DIME BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.3%
Type Change Date	Aug 1, 2028
Max Rate At Change	3%
Index	1-Year CMT
Margin	3

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SULLIVAN NY
Recording Date	Jul 8, 2020
Property Address	61 COTTAGE ST, ROSCOE, NY 12776
Document Number	0000004549
Instrument Date	Jul 8, 2020
Instrument	4549
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 COTTAGE ST ROSCOE NY 12776, ROSCOE, NY 12776

Tax Assessment & Valuation

The 2025 property tax bill for 61 Cottage St was $3,849, up 1.4% from the year before.

Source: Sullivan County and Rockland Town assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Sullivan County
County Subdivision	Rockland Town
Unified School District	Roscoe Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,849.00 (+1.45%)	$70,000 (-) Land $6,800 Building $63,200	$202,900 (+3.63%) Land $19,710 Building $183,190
2024	$3,794.00	$70,000 (+8.36%) Land $6,800 Building $63,200	$195,800 (+30.01%) Land $19,021 Building $176,779
2023		$64,600 (-) Land $6,800 Building $57,800	$150,600 (+22.39%) Land $15,853 Building $134,747
2022		$64,600 Land $6,800 Building $57,800	$123,048 Land $12,952 Building $110,096

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 61 Cottage St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 2, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 30 policies
Nearby Flood Policies	30 in force
Nearby Flood Claims	5 (1996–2026)
Most Recent Claim	Jul 2026 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2006 · 3 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

Wildfire risk around 61 Cottage St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	CORBETT COMMUNITY CORP. private · serves 93 people · EPA ID NY1200254
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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