Putnam County and Philipstown Town property record for 88 Fair St, Cold Spring, NY 10516
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,259 sqft · built 1994 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $800,000 (Jan 2019) |
| Tax Bill | $20,534 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2020 Loan Modification + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372601 48.8-3-35 |
| Primary APN | 372601 48.8-3-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,259 sqft Living Area |
| 1st Floor Area | 2,395 sqft |
| 2nd Floor Area | 864 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 24,829 sqft (0.57 acres) |
| View / Lot | Lake Front |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 733 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 88 FAIR ST |
|---|---|
| City | COLD SPRING |
| State | NY |
| Zip | 10516-3037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | LAND & RESIDENCE |
| Legal Block | 3 |
| Legal Lot Number | 35.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | PHILIPSTOWN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 10700 |
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 | 88 FAIR ST, COLD SPRING, NY 10516-3037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Sep 21, 2020 | Loan Modification, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Nov 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 15, 2019 | Loan Modification, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jan 10, 2019 | Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2019 · Amount on Record |
| Deed Sale | Jan 10, 2019 · Amount on Record |
| Prior Sale | Sep 4, 1991 · Amount on Record |
| Deed Document Number | 20191500120 |
| Deed Book / Page | 2101 / 94 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 88 FAIR ST, COLD SPRING, NY 10516-3037 |
| Document Number | 0072560277 |
| Instrument Date | Sep 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2021 |
| Title Company | CIS ABSTRACT |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 88 FAIR ST COLD SPRING NY 105163037, COLD SPRING, NY 10516-3037 |
| Document Number | 0072560277 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 007256/000277 |
| Instrument | 1094 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 25, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 88 FAIR ST, COLD SPRING, NY 10516-3037 |
| Document Number | 0072560298 |
| Instrument Date | Sep 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2021 |
| Title Company | CIS ABSTRACT |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 88 FAIR ST COLD SPRING NY 105163037, COLD SPRING, NY 10516-3037 |
| Document Number | 0072560298 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 007256/000298 |
| Instrument | 1095 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 25, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 88 FAIR ST, COLD SPRING, NY 10516-3037 |
| Document Number | 0070510145 |
| Instrument Date | Nov 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2020 |
| Title Company | CIS ABSTRACT |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 88 FAIR ST COLD SPRING NY 105163037, COLD SPRING, NY 10516-3037 |
| Document Number | 0070510145 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 007051/000145 |
| Instrument | 2274 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 16, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 88 FAIR ST, COLD SPRING, NY 10516-3037 |
| Document Number | 0070510166 |
| Instrument Date | Nov 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 88 FAIR ST COLD SPRING NY 105163037, COLD SPRING, NY 10516-3037 |
| Document Number | 0070510166 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 007051/000166 |
| Instrument | 2275 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 16, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.99% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Jan 10, 2019 |
| Property Address | 88 FAIR ST, COLD SPRING, NY 10516-3037 |
| Document Number | 0021010094 |
| Book / Page | 002101 / 000094 |
| Instrument Date | Dec 21, 2018 |
| Instrument | 1500120 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2019 |
| Title Company | THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,200.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 WENDALLS WAY COLD SPRING NY 105161014, COLD SPRING, NY 10516-1014 |
| Document Number | 68830352 |
|---|---|
| Date | Jan 10, 2019 |
| Book Page | 006883/000352 |
| Instrument | 1600081 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 9, 2049 |
Source: Putnam County and Philipstown Town assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $323,615 (-) Land $106,100 Building $217,515 | $1,055,152 (+14.84%) | |
| 2024 | $20,534.00 | ||
| 2023 | $323,615 (-) Land $106,100 Building $217,515 | $918,839 (+11.73%) Land $301,249 Building $617,590 | |
| 2022 | $323,615 Land $106,100 Building $217,515 | $822,402 Land $269,632 Building $552,770 |
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.
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 | 6 in force |
| Nearby Flood Claims | 9 (2011–2024) |
| Claims Outside the SFHA | 6 of 9 |
| Most Recent Claim | Jan 2024 · 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.
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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
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