Dutchess County and Poughkeepsie City property record for 81 Cottage St, Poughkeepsie, NY 12601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,584 sqft · built 1910 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,575 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 131300-6162-72-420190-0000 |
| Primary APN | 131300-6162-72-420190-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,584 sqft Living Area |
| Gross Area | 1,724 sqft |
| 1st Floor Area | 792 sqft |
| 2nd Floor Area | 792 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Roof Material | Asphalt |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 118 ft deep x 30 ft wide |
| Porch | Enclosed Porch |
| Porch Area | 176 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 111080 |
|---|---|
| Street Address | 81 COTTAGE ST |
| City | POUGHKEEPSIE |
| State | NY |
| Zip | 12601-2724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | 30 X 118 1341 0533 |
| Legal Block | 72 |
| Legal Lot Number | 420 |
| Jurisdiction | DUTCHESS NY |
| Township / Civil Division | POUGHKEEPSIE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 220300 |
81 Cottage St is owned and occupied by an individual.
Source: Dutchess County and Poughkeepsie City records, as of April 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 81 COTTAGE ST, POUGHKEEPSIE, NY 12601-2724 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DUTCHESS NY |
| Property Address | 81 COTTAGE ST, POUGHKEEPSIE, NY 12601-2724 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000053543 |
|---|---|
| Date | Oct 22, 2025 |
| Instrument | 53543 |
| Name | MID HUDSON VALLEY FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 121 Months |
| Due | Nov 1, 2035 |
The 2025 property tax bill for 81 Cottage St was $3,575.
Source: Dutchess County and Poughkeepsie City assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Dutchess County |
| Municipality | Poughkeepsie City |
| Unified School District | Poughkeepsie City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,575.00 | $163,600 Land $29,700 Building $133,900 | $163,600 Land $29,700 Building $133,900 |
| 2023 | $136,000 (+20.04%) Land $29,700 Building $106,300 | $136,000 (+20.04%) Land $29,700 Building $106,300 | |
| 2022 | $113,300 Land $27,000 Building $86,300 | $113,300 Land $27,000 Building $86,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 Cottage St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.
Source: FEMA National Flood Hazard Layer, effective July 26, 2021 · 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 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 4 (2011–2021) |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| 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.
The area around 81 Cottage St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land 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 | POUGHKEEPSIE CITY serves 30,639 people · EPA ID NY1330291 |
|---|---|
| Water Source | Purchased surface water from POUGHKEEPSIE CITY/TOWN TREATMENT PLANT |
| Last State Inspection | Oct 2023 |
| Lead | 2 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 464 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Optimum.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures