Rockland County and Haverstraw Town property record for 78 Ramapo Rd, Garnerville, NY 10923
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,552 sqft · built 1865 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Company Name on File |
| Last Sale | $20,000 (Dec 2025) |
| Tax Bill | $16,693 (2023) |
| Deeds & Mortgages | Dec 2025 Sale Feb 2021 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 392203 26.10-1-26 |
| Primary APN | 392203 26.10-1-26 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,552 sqft Living Area |
| 1st Floor Area | 980 sqft |
| 2nd Floor Area | 572 sqft |
| Year Built | Built 1865 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 89 ft deep x 142 ft wide |
| View / Lot | Suburban |
| Garage Type | Detached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 208 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0008034 |
|---|---|
| Street Address | 78 RAMAPO RD |
| City | GARNERVILLE |
| State | NY |
| Zip | 10923-1718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 361 |
| Legal Description | 41.-13-27 |
| Legal Subdivision | MONSEY GARDENS SUB |
| Legal Block | 1 |
| Legal Lot Number | 26.0 |
| Jurisdiction | ROCKLAND NY |
| Township / Civil Division | HAVERSTRAW |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 10601 |
78 Ramapo Rd is owned by a company that bought it in December 2025.
Source: Rockland County and Haverstraw Town records, as of April 9, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 16 BROCKTON RD, SPRING VALLEY, NY 10977-2124 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 2, 2025 | Bargain and Sale Deed, Transfer |
| Feb 17, 2021 | Bargain and Sale Deed, Transfer |
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 9, 2020 | Bargain and Sale Deed, Transfer JUDICIAL TITLE |
| Dec 26, 2017 | Loan Modification, Mortgage · Conventional Mortgage STERLING NAT'L MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2025 · Amount on File |
| Deed Sale | Dec 2, 2025 · Amount on File |
| Prior Sale | Feb 17, 2021 · Amount on File |
| Prior Transfer Date | Nov 16, 2012 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Dec 2, 2025 |
| Property Address | 78 RAMAPO RD, GARNERVILLE, NY 10923-1718 |
| Document Number | 0000037311 |
| Map Reference | LB884 |
| Instrument Date | Nov 26, 2025 |
| Instrument | 2025-00037311 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $80.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16 BROCKTON RD, SPRING VALLEY, NY 10977-2124 |
| Name | Verified Name |
|---|---|
| Address | 16 BROCKTON RD, SPRING VALLEY, NY 10977-2124 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Feb 17, 2021 |
| Property Address | 78 RAMAPO RD, GARNERVILLE, NY 10923-1718 |
| Document Number | 0000006454 |
| Map Reference | IN 1999-8416 |
| Instrument Date | Jan 26, 2021 |
| Instrument | 2021-00006454 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $3,120.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25 CEDAR LN # 3, 25, MONSEY, NY 10952-2129 |
| Name | Verified Name |
|---|---|
| Address | 44 CEDAR LN, MONSEY, NY 10952-2162 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 78 RAMAPO RD, GARNERVILLE, NY 10923-1718 |
| Document Number | 0000032964 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2020 |
| Title Company | NEW YORK ABSTRACT AND AGENCY INC, NEW YORK ABS & AGCY INC |
| Name | Verified Name |
|---|---|
| Address | 9 CALVERT DR MONSEY NY 109522152, MONSEY, NY 10952-2152 |
| Document Number | 0000032964 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 32964 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 2, 2050 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Recording Date | Nov 9, 2020 |
| Property Address | 78 RAMAPO RD, GARNERVILLE, NY 10923-1718 |
| Document Number | 0000033375 |
| Map Reference | LB 884 CP 683 |
| Instrument Date | Oct 19, 2020 |
| Instrument | 2020-00033375 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Title Company | JUDICIAL TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,268.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 CALVERT DR UNIT 101, 101, MONSEY, NY 10952-2154 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ROCKLAND NY |
| Property Address | 78 RAMAPO RD, GARNERVILLE, NY 10923-1718 |
| Document Number | 0000003796 |
| Instrument Date | Dec 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 78 RAMAPO RD GARNERVILLE NY 109231718, GARNERVILLE, NY 10923-1718 |
| Document Number | 0000003796 |
|---|---|
| Date | Feb 1, 2018 |
| Instrument | 3796 |
| Name | STERLING NAT'L MTG |
|---|---|
| Type | Bank |
| Address | LAKE ZURICH, IL 60047 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 31, 2033 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2% |
Source: Rockland County and Haverstraw Town assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | New York |
| County | Rockland County |
| County Subdivision | Haverstraw Town |
| Municipality | West Haverstraw Village |
| Unified School District | Haverstraw-Stony Point Central School District (North Rockland) (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $236,300 (-) Land $79,900 Building $156,400 | $405,600 (+5.2%) | |
| 2023 | $16,693.00 | $236,300 Land $79,900 Building $156,400 | $385,544 Land $130,364 Building $255,180 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78 Ramapo Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1983.
Source: FEMA National Flood Hazard Layer, effective August 19, 2025 · 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 Claims | 9 (1983–2001) |
| Claims Outside the SFHA | 8 of 9 |
| Most Recent Claim | Sep 2001 · river or lake flooding |
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 78 Ramapo 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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VEOLIA WATER NEW YORK private · serves 270,000 people · EPA ID NY4303673 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2023 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 496 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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