78 Stephens Rd, Tappan, NY 10983 Property Records

Rockland County and Orangetown Town property record for 78 Stephens Rd, Tappan, NY 10983

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1927
Lot Size	0.569 acres (24,829 sqft)
Owner	Owner Name on Record
Last Sale	$408,000 (Nov 2003)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`392489 77.10-3-70`

Property Details

APN / Parcel Number

Primary APN	`392489 77.10-3-70`
Alternative APNs	`248907701000030700000000` `0025447`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	988 sqft Living Area
1st Floor Area	504 sqft
2nd Floor Area	484 sqft

Exterior

Year Built	Built 1927
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	24,829 sqft (0.569 acres)
Garage Area	216 sqft

Exterior Amenities

Porch	Covered Porch
Porch Area	354 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0025447
Old Parcel Number	248907701000030700000000
Street Address	78 STEPHENS RD
City	TAPPAN
State	NY
Zip	10983-2309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	60/47/437/11
Legal Subdivision	STEVENS PROPERTY/TAPPAN
Legal Block	3
Legal Lot Number	70.000
Jurisdiction	ROCKLAND NY
Township / Civil Division	ORANGETOWN
Census Block Group	2
Census Block	2012
Census Tract	13401

Owner

Source: Rockland County and Orangetown Town records, as of February 14, 2024

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	Owner Name on Record
Mailing Address	78 STEPHENS RD, TAPPAN, NY 10983-2309

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2003 · Amount on Record
Deed Sale	Nov 3, 2003 · Amount on Record
Prior Sale	Nov 3, 2003 · Amount on Record
Deed Document Number	2003-00084365
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKLAND NY
Property Address	78 STEPHENS RD, TAPPAN, NY 10983-2309
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045119
Date	Oct 26, 2021
Instrument	2021-00045119

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Rockland County and Orangetown Town assessment roll, as of May 31, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$140,400 Land $79,000 Building $61,400	$394,050 Land $221,723 Building $172,327

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 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 Policies	5 in force
Nearby Flood Claims	17 (1978–1984)
Most Recent Claim	May 1984 · rainfall accumulation
Claims by Event	Coastal Storms & Flooding, Apr 1984 · 2 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 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 396 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	2,300 / 2,300