94-96 Montgomery St, Middletown, NY 10940 Property Records

Orange County and Middletown City property record for 94-96 Montgomery St, Middletown, NY 10940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 1974
Lot Size	0.18 acres (7,875 sqft)
Owner	Individual Name on File
Last Sale	$202,000 (Nov 2009)
Deeds & Mortgages	May 2022 Refinance May 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`330900 26-5-26.1`

Property Details

APN / Parcel Number

Primary APN	`330900 26-5-26.1`
Alternative APNs	`090002600000050261000000` `1450004700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
1st Floor Area	1,056 sqft
Upper Floors Area	792 sqft

Exterior

Year Built	Built 1974
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	7,875 sqft (0.18 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	574 sqft
Shed	1 Shed
Shed Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1450004700
Old Parcel Number	090002600000050261000000
Street Address	94-96 MONTGOMERY ST
City	MIDDLETOWN
State	NY
Zip	10940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT:26.100 BLK:5 SEC:26.00 DIST:330900 CITY/MUNI/TWP:MIDDLETOWN
Legal Block	5
Legal Lot Number	26.100
Jurisdiction	ORANGE NY
Township / Civil Division	MIDDLETOWN
Census Block Group	4
Census Block	4000
Census Tract	1100

Owner

94-96 Montgomery St is owned and occupied by an individual who bought it in November 2009.

Source: Orange County and Middletown City records, as of February 12, 2024

Owner of Record	Individual Name on File
Mailing Address	94 MONTGOMERY ST, MIDDLETOWN, NY 10940-3923
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.

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
May 31, 2019	Deed of Trust, Mortgage · Line of Credit M&T BK
Sep 20, 2018	Grant Deed, Transfer JT ABSTRACT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2009 · Amount on File
Deed Sale	Nov 4, 2009 · Amount on File
Prior Sale	Mar 7, 2006
Deed Document Number	0000000800
Deed Book / Page	0000012920 / 0000000800
Record Updated	Jun 7, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	94-96 MONTGOMERY ST, MIDDLETOWN, NY 10940
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038737
Date	May 24, 2022
Book Page	15236/796
Instrument	20220038737

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2037

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	94-96 MONTGOMERY ST, MIDDLETOWN, NY 10940
Document Number	0000050148
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	JT ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	216 STATE ROUTE 299 HIGHLAND NY 125287515, HIGHLAND, NY 12528-7515

Mortgage

Document Number	0000050148
Date	Jul 17, 2019
Book Page	014595/000686
Instrument	50148

Lender

Name	M&T BK
Type	Bank
Address	1 M AND T PLZ, BUFFALO, NY 14203-2309

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE NY
Recording Date	Sep 20, 2018
Property Address	94-96 MONTGOMERY ST, MIDDLETOWN, NY 10940
Document Number	0000068088
Book / Page	014463 / 000563
Instrument Date	Jun 29, 2018
Instrument	68088
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	JT ABSTRACT

Transaction

Amount	Amount on Record
Tax	$1,400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	216 STATE ROUTE 299 HIGHLAND NY 125287515, HIGHLAND, NY 12528-7515

Tax Assessment & Valuation

Source: Orange County and Middletown City assessment roll, as of May 31, 2023

Property Jurisdictions

Type	Name
State	New York
County	Orange County
Municipality	Middletown City
Unified School District	Middletown City School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$31,500 (-) Land $6,800 Building $24,700	$315,000 (+17.01%) Land $68,000 Building $247,000
2022	$31,500 Land $6,800 Building $24,700	$269,200 Land $58,113 Building $211,087

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

FEMA maps place 94-96 Montgomery St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective September 26, 2023 · 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	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2013 · rainfall accumulation

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

The area around 94-96 Montgomery 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.

Drinking Water

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

Water System	MIDDLETOWN CITY serves 30,000 people · EPA ID NY3503534
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 ppb (2021–2023) 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 613 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Optimum, T-Mobile.

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