7 Bank St, Cold Spring, NY 10516 Property Records

Putnam County and Philipstown Town property record for 7 Bank St, Cold Spring, NY 10516

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 3 ba · 2,275 sqft · built 1929
Lot Size	0.201 acres (8,757 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Apr 2021)
Tax Bill	$17,849 (2024)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372601 49.5-4-64`

Property Details

APN / Parcel Number

Primary APN	`372601 49.5-4-64`
Alternative APNs	`260104900500040640000000` `031665`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,275 sqft Living Area
1st Floor Area	1,300 sqft
2nd Floor Area	975 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	8,757 sqft (0.201 acres)
Lot Dimensions	139 ft deep x 63 ft wide
View / Lot	Lake Front
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	125 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	031665
Street Address	7 BANK ST
City	COLD SPRING
State	NY
Zip	10516-2217
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R10
Legal Description	LAND & RESIDENCE
Legal Block	4
Legal Lot Number	64.00
Jurisdiction	PUTNAM NY
Township / Civil Division	PHILIPSTOWN
Census Block Group	2
Census Block	2006
Census Tract	10700

Owner

Source: Putnam County and Philipstown 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	2 Individual Names on Record
Mailing Address	7 BANK ST, COLD SPRING, NY 10516-2217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2021 · Amount on Record
Deed Sale	Apr 29, 2021 · Amount on Record
Prior Sale	Dec 15, 2016 · Amount on Record
Deed Document Number	202152602021
Deed Book / Page	2212 / 108
Prior Transfer Date	Dec 6, 2016
Prior Transfer Doc	0020310174
Record Updated	Oct 29, 2026

April 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Apr 29, 2021
Property Address	7 BANK ST, COLD SPRING, NY 10516-2217
Document Number	0022120108
Book / Page	2212 / 108
Map Reference	MAP 98
Instrument Date	Apr 9, 2021
Instrument	5260-2021
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	FLATIRON ABSTRACT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3314 E CONTINENTAL RD, WEST POINT, NY 10996-2121

Mortgage

Document Number	0073420068
Date	Apr 29, 2021
Book Page	7342/68
Instrument	5261-2021

Lender

Name	WILLIAM RAVEIS MORTGAGE LLC
Type	Mortgage Company
Address	SHELTON, CT 06484

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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
Municipality	Cold Spring Village
Unified School District	Haldane Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$281,300 (-) Land $50,300 Building $231,000	$917,183 (+10.07%)
2024	$17,849.00	$281,300 (-) Land $50,300 Building $231,000	$833,235 (+4.32%)
2023		$281,300 (-) Land $50,300 Building $231,000	$798,694 (+11.73%) Land $142,817 Building $655,877
2022		$281,300 Land $50,300 Building $231,000	$714,867 Land $127,827 Building $587,040

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 March 4, 2013 · 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 Policies	10 units insured incl. 2 condo units
Nearby Flood Claims	29 (1992–2024)
Claims Outside the SFHA	3 of 29
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jul 2023 · 2 claims Hurricane Sandy, Oct 2012 · 12 claims Hurricane Irene, Aug 2011 · 8 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

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COLD SPRING VILLAGE serves 2,666 people · EPA ID NY3903652
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fixed Wireless	300 / 20