1 Terrace Ave, Ossining, NY 10562 Property Records

Westchester County and Ossining Town property record for 1 Terrace Ave, Ossining, NY 10562

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,378 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Tax Bill	$12,429 (2026)
Deeds & Mortgages	May 2020 Mortgage May 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`554203 89.15-3-18`

Property Details

APN / Parcel Number

Primary APN	`554203 89.15-3-18`
Alternative APN	`55420300211 018 026`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,378 sqft Total Area
1st Floor Area	790 sqft
Game Room	Game Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	100 ft deep x 37 ft wide
Porch	Porch
Porch Area	86 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1 TERRACE AVE
City	OSSINING
State	NY
Zip	10562-3418
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	3
Legal Lot Number	18.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	OSSINING
Census Block Group	1
Census Block	1004
Census Tract	13600

Owner

1 Terrace Ave, a duplex, is owned and occupied by an individual who acquired it in July 2015.

Source: Westchester County and Ossining Town records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1 TERRACE AVE, OSSINING, NY 10562-3418
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 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA
May 8, 2020	Loan Modification, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 22, 2015
Transfer Doc	0552323593
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	1 TERRACE AVE, OSSINING, NY 10562-3418
Document Number	0602723510
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 TERRACE AVE OSSINING NY 105623418, OSSINING, NY 10562-3418

Mortgage

Document Number	0602723510
Date	Sep 28, 2020
Book Page	060272/003510

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2050

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WESTCHESTER NY
Property Address	1 TERRACE AVE, OSSINING, NY 10562-3418
Document Number	0602733511
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 TERRACE AVE OSSINING NY 105623418, OSSINING, NY 10562-3418

Mortgage

Document Number	0602733511
Date	Sep 28, 2020
Book Page	060273/003511

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

The 2026 property tax bill for 1 Terrace Ave was $12,429 with a homeowner's exemption, up 10.7% from the year before.

Source: Westchester County and Ossining Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	Ossining Town
Municipality	Ossining Village
Unified School District	Ossining Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,429.00 (+10.7%) Homeowner's exemption
2025	$11,228.00	$436,600 (+1.8%) Land $216,200 Building $220,400	$436,600 (+1.8%) Land $216,200 Building $220,400
2024	Homeowner's exemption	$428,900 (+7.09%) Land $94,900 Building $334,000	$428,900 (+7.09%) Land $94,900 Building $334,000
2023		$400,500 Land $94,900 Building $305,600	$400,500 Land $94,900 Building $305,600

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

Flood

FEMA maps place 1 Terrace Ave 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 18, 2026 · 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	1 in force
Nearby Flood Claims	6 (1999–2024)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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 1 Terrace Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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	OSSINING WATER DEPARTMENT serves 30,000 people · EPA ID NY5903451
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	3 ppb (2025) 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 463 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

May also be available: T-Mobile.

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