11 Garden St, Ossining, NY 10562 Property Records

Westchester County and Ossining Town property record for 11 Garden St, Ossining, NY 10562

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,332 sqft · built 1870
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$557,900 (Nov 2021)
Tax Bill	$19,267 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`554203 89.15-3-24`

Property Details

APN / Parcel Number

Primary APN	`554203 89.15-3-24`
Alternative APN	`55420300212 019 001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,332 sqft Total Area
1st Floor Area	1,206 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	5,227 sqft (0.12 acres)
Porch	Covered Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11 GARDEN ST
City	OSSINING
State	NY
Zip	10562-3408
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	3
Legal Lot Number	24.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	OSSINING
Census Block Group	1
Census Block	1005
Census Tract	13600

Owner

Source: Westchester County and Ossining Town records, as of October 21, 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	11 GARDEN ST, OSSINING, NY 10562-3408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage LUXURY MORTGAGE CORP
May 17, 2021	Intrafamily Transfer, Transfer
Oct 17, 2017	Grant Deed, Transfer · Conventional with PMI ADELINE NETO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Oct 17, 2017 · Amount on Record
Deed Document Number	20213717
Prior Transfer Date	Mar 19, 2021
Prior Transfer Doc	0000003020
Record Updated	Oct 29, 2026

November 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Nov 16, 2021
Property Address	11 GARDEN ST, OSSINING, NY 10562-3408
Document Number	0613073717
Instrument Date	Nov 4, 2021
Instrument	613073717
Transaction Type	Transfer
Record Updated	Dec 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,232.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 BARNES RD, OSSINING, NY 10562-3002

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	501 SURF AVE # 4H, 4H, BROOKLYN, NY 11224-3505

Mortgage

Document Number	0613143622
Date	Nov 16, 2021
Instrument	613143622

Lender

Name	LUXURY MORTGAGE CORP
Type	Mortgage Company
Address	STAMFORD, CT 06901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WESTCHESTER NY
Recording Date	May 17, 2021
Property Address	11 GARDEN ST, OSSINING, NY 10562-3408
Document Number	0610663020
Instrument Date	Mar 19, 2021
Instrument	610663020
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6 BARNES RD, OSSINING, NY 10562-3002

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Oct 17, 2017
Property Address	11 GARDEN ST, OSSINING, NY 10562-3408
Document Number	0572753232
Book / Page	057275 / 003232
Instrument Date	Oct 6, 2017
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	FUTURE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 BARNES RD OSSINING NY 105623002, OSSINING, NY 10562-3002

Mortgage

Document Number	572813004
Date	Oct 17, 2017
Book Page	057281/003004

Lender

Name	ADELINE NETO
Address	9 GARDEN ST, OSSINING, NY 10562-3408
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Oct 16, 2022

Tax Assessment & Valuation

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	$19,267.00 (+97.69%)
2025	$9,746.00	$600,100 (+1.52%) Land $223,400 Building $376,700	$600,100 (+1.52%) Land $223,400 Building $376,700
2024	Additional exemption filed	$591,100 (+7.08%) Land $101,000 Building $490,100	$591,100 (+7.08%) Land $101,000 Building $490,100
2023		$552,000 (+16.68%) Land $101,000 Building $451,000	$552,000 (+16.68%) Land $101,000 Building $451,000
2022		$473,100 Land $101,000 Building $372,100	$473,100 Land $101,000 Building $372,100

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

Flood

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
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

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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