982 Lakes Rd, Monroe, NY 10950 Property Records

Orange County and Chester Town property record for 982 Lakes Rd, Monroe, NY 10950

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,390 sqft · built 2020
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$444,000 (Aug 2020)
Tax Bill	$16,306 (2024)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jan 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-1-38.22`

Property Details

APN / Parcel Number

Primary APN	`18-1-38.22`
Alternative APNs	`228901800000010382200000` `332289 18-1-38.22`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,390 sqft Living Area
Gross Area	3,052 sqft
1st Floor Area	1,258 sqft
2nd Floor Area	1,132 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	37,462 sqft (0.86 acres)
Lot Dimensions	275 ft deep x 148 ft wide
View / Lot	Suburban
Garage Type	Attached
Garage Area	662 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	610 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	18-1-38.22
Street Address	982 LAKES RD
City	MONROE
State	NY
Zip	10950-5101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Block	1
Legal Lot Number	38.22
Jurisdiction	ORANGE NY
Township / Civil Division	CHESTER
Census Block Group	4
Census Block	4020
Census Tract	14302

Owner

982 Lakes Rd is owned and occupied by two individuals who bought it in August 2020.

Source: Orange County and Chester Town records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	982 LAKES RD, MONROE, NY 10950-5101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 7, 2020	Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
Jan 29, 2018	Grant Deed, Transfer RESOLUTION TITLE AGENCY LLC
Jan 29, 2018	Trustee's Deed, Foreclosure RESOLUTION TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2020 · Amount on File
Deed Sale	Aug 7, 2020 · Amount on File
Prior Sale	Jan 29, 2018 · Amount on File
Deed Document Number	202040918
Deed Book / Page	14783 / 803
Record Updated	Oct 29, 2026

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE NY
Recording Date	Aug 7, 2020
Property Address	982 LAKES RD, MONROE, NY 10950-5101
Document Number	0000040918
Book / Page	14783 / 803
Instrument Date	Jul 22, 2020
Instrument	20200040918
Transaction Type	Transfer
Record Updated	Apr 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1434 LAKES RD, MONROE, NY 10950-4224

Mortgage

Document Number	0000040919
Date	Aug 7, 2020
Instrument	20200040919

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE NY
Recording Date	Jan 29, 2018
Property Address	982 LAKES RD, MONROE, NY 10950-5101
Document Number	0000007406
Book / Page	014354 / 001718
Instrument Date	Dec 21, 2017
Instrument	7406
Transaction Type	Transfer
Record Updated	Feb 2, 2018
Title Company	RESOLUTION TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$311.24
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 311 CONGERS NY 109200311, CONGERS, NY 10920-0311

January 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ORANGE NY
Recording Date	Jan 29, 2018
Property Address	982 LAKES RD, MONROE, NY 10950-5101
Document Number	0000007405
Book / Page	014354 / 001714
Instrument Date	Dec 4, 2017
Instrument	7405
Transaction Type	Foreclosure
Record Updated	Feb 2, 2018
Title Company	RESOLUTION TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$460.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	8742 LUCENT BLVD #300 HIGHLANDS RANCH CO 801292386, 300, HIGHLANDS RANCH, CO 80129-2386

Tax Assessment & Valuation

Source: Orange County and Chester Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
County Subdivision	Chester Town
Unified School District	Monroe-Woodbury Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$229,866 Land $34,400 Building $195,466	$629,300
2024	$16,306.00
2023		$229,866 Land $34,400 Building $195,466	$560,600 Land $83,895 Building $476,705
2021	$5,043.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 982 Lakes Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 individual policies
Nearby Flood Policies	33 units insured incl. 16 condo units
Nearby Flood Claims	17 (1978–2015)
Claims Outside the SFHA	5 of 17
Most Recent Claim	Dec 2015 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 4 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

Wildfire risk around 982 Lakes Rd is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

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	LAKE HILL FARMS WATER DISTRICT serves 1,868 people · EPA ID NY3505650
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

May also be available: Frontier, Verizon.

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