12 Terrace Ave, Ossining, NY 10562 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,350 sqft · built 1900
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Jan 2019)
Tax Bill	$13,079 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`554203 89.15-3-23`

Property Details

APN / Parcel Number

Primary APN	`554203 89.15-3-23`
Alternative APN	`55420300212 019 005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,350 sqft Living Area
1st Floor Area	710 sqft
Basement Area	616 sqft
Finished Basement	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	80 ft deep x 43 ft wide
Porch	Open Porch
Porch Area	226 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12 TERRACE AVE
City	OSSINING
State	NY
Zip	10562-3419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	23.000
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	12 TERRACE AVE, OSSINING, NY 10562-3419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Aug 23, 2022	Deed, Transfer BLACKACRE TITLE AGENCY CORPORATION, BLACKACRE TITLE AGENCY CORP
Jan 10, 2019	Bargain and Sale Deed, Transfer · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2019 · Amount on Record
Deed Sale	Jan 10, 2019 · Amount on Record
Prior Sale	Jul 28, 2015 · Amount on Record
Deed Document Number	2019590033104
Last Transfer Date	Aug 12, 2022
Transfer Doc	0000003078
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	12 TERRACE AVE, OSSINING, NY 10562-3419
Transaction Type	Mortgage
Record Updated	Sep 1, 2022
Title Company	BLACKACRE TITLE AGENCY CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 TERRACE AVE, OSSINING, NY 10562-3419

Mortgage

Document Number	0622293231
Date	Aug 23, 2022
Instrument	622293231

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	12 TERRACE AVE, OSSINING, NY 10562-3419
Transaction Type	Mortgage
Record Updated	Sep 1, 2022
Title Company	BLACKACRE TITLE AGENCY CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 TERRACE AVE, OSSINING, NY 10562-3419

Mortgage

Document Number	0622293251
Date	Aug 23, 2022
Instrument	622293251

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	MINNEAPOLIS, MN 55467

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.25%

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Aug 23, 2022
Property Address	12 TERRACE AVE, OSSINING, NY 10562-3419
Document Number	0622233078
Instrument Date	Aug 12, 2022
Instrument	622233078
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	BLACKACRE TITLE AGENCY CORPORATION, BLACKACRE TITLE AGENCY CORP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 TERRACE AVE, OSSINING, NY 10562-3419

January 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Jan 10, 2019
Property Address	12 TERRACE AVE, OSSINING, NY 10562-3419
Document Number	0590033104
Instrument Date	Jan 7, 2019
Instrument	590033104
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	BLACKACRE TITLE AGENCY CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 TERRACE AVE, 12, OSSINING, NY 10562-3419

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0590103087
Date	Jan 10, 2019
Instrument	590103087

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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	$13,079.00 (-2.81%)
2025	$13,457.00	$430,400 (+8.17%) Land $213,700 Building $216,700	$430,400 (+8.17%) Land $213,700 Building $216,700
2024		$397,900 (+7.08%) Land $92,800 Building $305,100	$397,900 (+7.08%) Land $92,800 Building $305,100
2023		$371,600 Land $92,800 Building $278,800	$371,600 Land $92,800 Building $278,800

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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