12 Madison Ave, Ossining, NY 10562 Property Records

Westchester County and Ossining Town property record for 12 Madison Ave, Ossining, NY 10562

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,892 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Jan 2010)
Tax Bill	$12,474 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`554203 97.11-3-20`

Property Details

APN / Parcel Number

Primary APN	`554203 97.11-3-20`
Alternative APN	`55420300322 055 016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,892 sqft Living Area
1st Floor Area	980 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	141 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12 MADISON AVE
City	OSSINING
State	NY
Zip	10562-5704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	20.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	OSSINING
Census Block Group	2
Census Block	2012
Census Tract	13304

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 MADISON AVE, OSSINING, NY 10562-5704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 11, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARDHILL FIN'L
Feb 3, 2017	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2010 · Amount on Record
Deed Sale	Jan 14, 2010 · Amount on Record
Deed Document Number	2010493650190
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	12 MADISON AVE, OSSINING, NY 10562-5704
Document Number	0603383999
Instrument Date	Nov 11, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	KISS ABSTRACT LLC, KISS ABS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 MADISON AVE OSSINING NY 105625704, OSSINING, NY 10562-5704

Mortgage

Document Number	0603383999
Date	Dec 7, 2020
Book Page	060338/003999

Lender

Name	GUARDHILL FIN'L
Type	Funding / Finance Company
Address	NEW YORK, NY 10017

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2050

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WESTCHESTER NY
Property Address	12 MADISON AVE, OSSINING, NY 10562-5704
Document Number	0570893455
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 MADISON AVE OSSINING NY 105625704, OSSINING, NY 10562-5704

Mortgage

Document Number	0570893455
Date	Mar 31, 2017
Book Page	057089/003455

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2047

Interest

Rate	4.5%

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	$12,474.00 (+28.25%) Homeowner's exemption
2025	$9,726.00	$459,100 (+7.47%) Land $221,100 Building $238,000	$459,100 (+7.47%) Land $221,100 Building $238,000
2024	Homeowner's exemption	$427,200 (+7.39%) Land $125,500 Building $301,700	$427,200 (+7.39%) Land $125,500 Building $301,700
2023		$397,800 Land $125,500 Building $272,300	$397,800 Land $125,500 Building $272,300

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	2 (2009–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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	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	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 306 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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