Orange County and Chester Town property record for 643 Lakes Rd, Monroe, NY 10950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,416 sqft · built 1920 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Jan 2011) |
| Tax Bill | $944 (2024) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 332289 8-1-39.1 |
| Primary APN | 332289 8-1-39.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,416 sqft Living Area |
| Gross Area | 1,656 sqft |
| 1st Floor Area | 816 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Old Style |
| Exterior Material | Wood |
| Lot Area | 23,522 sqft (0.54 acres) |
| Lot Dimensions | 103 ft deep x 238 ft wide |
| View / Lot | Suburban |
| Porch | Covered Porch |
| Porch Area | 888 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 8-1-39.1 |
|---|---|
| Street Address | 643 LAKES RD |
| City | MONROE |
| State | NY |
| Zip | 10950-5118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2* |
| Legal Block | 1 |
| Legal Lot Number | 39.10 |
| Jurisdiction | ORANGE NY |
| Township / Civil Division | CHESTER |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 14302 |
643 Lakes Rd is owned by an individual who bought it in January 2011.
Source: Orange County and Chester Town records, as of April 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 133 SCHOOL RD, MONROE, NY 10950-5205 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 5, 2011 · Amount on File |
| Deed Sale | Jan 5, 2011 · Amount on File |
| Deed Book / Page | 13107 / 1604 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NY |
| Property Address | 643 LAKES RD, MONROE, NY 10950-5118 |
| Document Number | 0000050515 |
| Book / Page | 014261 / 000029 |
| Instrument Date | Jun 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 133 SCHOOL RD MONROE NY 109505205, MONROE, NY 10950-5205 |
| Document Number | 0000050515 |
|---|---|
| Date | Jul 20, 2017 |
| Book Page | 014261/000029 |
| Instrument | 50515 |
| Name | HUDSON VLY CU |
|---|---|
| Type | Credit Union |
| Address | POUGHKEEPSIE, NY 12603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Jul 19, 2024 |
Source: Orange County and Chester Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Orange County |
| County Subdivision | Chester Town |
| Unified School District | Monroe-Woodbury Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,000 Land $15,000 | $41,100 | |
| 2024 | $944.00 | ||
| 2023 | $15,000 Land $15,000 | $36,600 Land $36,600 | |
| 2021 | $306.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 643 Lakes Rd in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1978.
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 |
| Flood Insurance Cost | Premium on File median of 17 individual policies |
| Nearby Flood Policies | 33 units insured incl. 16 condo units |
| Nearby Flood Claims | 17 (1978–2015) |
| Claims Outside the SFHA | 5 of 17 |
| Most Recent Claim | Dec 2015 · rainfall accumulation |
| Claims by Event |
|
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 risk around 643 Lakes Rd is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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