12 Harbor Ln, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 12 Harbor Ln, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	12 bd · 5 ba · 8,138 sqft · built 1900
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,905,000 (Aug 2016)
Tax Bill	$37,545 (2025)
Deeds & Mortgages	May 2017 Mortgage Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`551400 153-13-1-50`

Property Details

APN / Parcel Number

Primary APN	`551400 153-13-1-50`
Alternative APN	`140015301300010500000000`

Interior

Bedrooms	12 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	8,138 sqft Living Area
1st Floor Area	3,470 sqft
2nd Floor Area	3,210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	53,143 sqft (1.22 acres)

Location & Zoning

Street Address	12 HARBOR LN
City	RYE
State	NY
Zip	10580-2213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	BARLOW WOODS
Legal Block	1
Legal Lot Number	50.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	3
Census Block	3003
Census Tract	7500

Owner

Source: Westchester County and Rye City records, as of May 14, 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	12 HARBOR LN, RYE, NY 10580-2213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Sep 25, 2020	Grant Deed, Transfer THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2016 · Amount on Record
Deed Sale	Aug 11, 2016 · Amount on Record
Deed Document Number	2016561183089
Prior Transfer Date	Jan 30, 2012
Prior Transfer Doc	0513423505
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	12 HARBOR LN, RYE, NY 10580-2213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATLANTIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0571283429
Date	May 11, 2017
Instrument	571283429

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Sep 25, 2020
Property Address	12 HARBOR LN, RYE, NY 10580-2213
Document Number	0602543693
Book / Page	060254 / 003693
Instrument Date	Sep 11, 2020
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$13,600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	47 LYNCROFT RD NEW ROCHELLE NY 108044101, NEW ROCHELLE, NY 10804-4101

Tax Assessment & Valuation

Source: Westchester County and Rye City assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
Municipality	Rye City
Unified School District	Rye Neck Union Free School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$37,545.00	$61,950 (-) Land $11,200 Building $50,750	$5,250,000 (+6.78%) Land $949,153 Building $4,300,847
2024		$61,950 (-) Land $11,200 Building $50,750	$4,916,667 (+2.38%) Land $888,889 Building $4,027,778
2023		$61,950 Land $11,200 Building $50,750	$4,802,326 Land $868,217 Building $3,934,109

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

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
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	74 (1978–2023)
Claims Outside the SFHA	27 of 74
Most Recent Claim	Sep 2023 · Severe Storm And Flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 7 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 7 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 93% of the US · lower than 89% 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.

Drinking Water

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

Water System	WESTCHESTER JOINT WATER WORKS serves 59,629 people · EPA ID NY5903435
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter currently in violation since Jun 1993 Haloacetic acids resolved · Jul 2019
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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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