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1228 E Main St, Shrub Oak, NY 10588 Property Records

Westchester County and Yorktown Town property record for 1228 E Main St, Shrub Oak, NY 10588

Property Summary

Details4 bd · 4 ba · 2,324 sqft · built 1920
Lot Size0.3 acres (13,068 sqft)
Owner2 Individual Names on File
Last Sale$489,000 (Aug 2020)
Tax Bill$16,035 (2026)
Deeds & MortgagesNov 2022 Mortgage
Aug 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN555400 16.10-2-76

Property Details

APN / Parcel Number

Primary APN555400 16.10-2-76
Alternative APNs
  • 540004006200020NOL205000
  • 1205000

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories2 Stories
Building Area2,324 sqft Living Area
Gross Area1,924 sqft
1st Floor Area1,362 sqft
2nd Floor Area962 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Exterior MaterialWood
Lot Area13,068 sqft (0.3 acres)
Garage TypeDetached
Garage Area216 sqft
Parking Spaces1 Parking Space
Boat AccessBoat Access

Location & Zoning

Account Number1205000
Street Address1228 E MAIN ST
CitySHRUB OAK
StateNY
Zip10588-1424
Property CategoryOther
Property TypeUnknown
Local Zoning CodeR1-20
Legal Block2
Legal Lot Number76.000
JurisdictionWESTCHESTER NY
Township / Civil DivisionYORKTOWN
Census Block Group2
Census Block2008
Census Tract14812

Owner

1228 E Main St is owned and occupied by two individuals who acquired it in September 2022.

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

Owner of Record2 Individual Names on File
Mailing Address1228 E MAIN ST, SHRUB OAK, NY 10588-1424
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 17, 2022Intrafamily Transfer, Transfer · Conventional Mortgage
CARROLLTON MORTGAGE SERVICES
Aug 20, 2020Grant Deed, Transfer · FHA Mortgage
GUARANTEED RATE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 20, 2020 · Amount on File
Deed SaleAug 20, 2020 · Amount on File
Prior SaleSep 20, 2002 · Amount on File
Deed Document Number2020601893390
Last Transfer DateSep 16, 2022
Transfer Doc0000003272
Record UpdatedOct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWESTCHESTER NY
Recording DateNov 17, 2022
Property Address1228 E MAIN ST, SHRUB OAK, NY 10588-1424
Document Number0622853272
Instrument DateSep 16, 2022
Instrument622853272
Transaction TypeTransfer
Record UpdatedNov 29, 2022
Title CompanyVYLLA TITLE LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1228 E MAIN ST, 1228, SHRUB OAK, NY 10588-1424

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1228 E MAIN ST, SHRUB OAK, NY 10588-1424

Mortgage

Document Number0623203319
DateNov 17, 2022
Instrument623203319
Lender
NameCARROLLTON MORTGAGE SERVICES
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term359 Months
DueOct 1, 2052

August 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionWESTCHESTER NY
Recording DateAug 20, 2020
Property Address1228 E MAIN ST, SHRUB OAK, NY 10588-1424
Document Number0601893390
Book / Page060189 / 003390
Instrument DateJul 13, 2020
Transaction TypeTransfer
Record UpdatedSep 2, 2020
Title CompanyPRO NATIONAL TITLE AGENCY, PRO NAT'L TITLE AGCY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,956.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3195 HOLLYWOOD ST MOHEGAN LAKE NY 105471712, MOHEGAN LAKE, NY 10547-1712

Mortgage

Document Number602333259
DateAug 20, 2020
Book Page060233/003259
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueAug 19, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1228 E Main St was $16,035, down 78% from the year before.

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

Property Jurisdictions

TypeName
StateNew York
CountyWestchester County
County SubdivisionYorktown Town
Unified School DistrictLakeland Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$16,035.00 (-77.96%)
2025$72,770.00$9,600 (-) Land $750 Building $8,850$600,000 (+10.62%) Land $46,875 Building $553,125
2024$9,600 (-) Land $750 Building $8,850$542,373 (-2.82%) Land $42,373 Building $500,000
2023$9,600 Land $750 Building $8,850$558,140 Land $43,605 Building $514,535

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

FEMA maps place 1228 E Main St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 17 policies
Nearby Flood Policies17 in force
Nearby Flood Claims7 (2011–2024)
Claims Outside the SFHA3 of 7
Most Recent ClaimJan 2024 · river or lake flooding

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 1228 E Main St is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemYORKTOWN CONSOLD. WATER DIST.#1
serves 36,000 people · EPA ID NY5903469
Water SourcePurchased surface water from several systems
Last State InspectionNov 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
resolved · Jan 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 138 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880
Optimum
Cable · Fiber in parts of the area		940 / 35
T-Mobile
Fixed Wireless		100 / 20

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