1281 E Main St, Shrub Oak, NY 10588 Property Records

Westchester County and Yorktown Town property record for 1281 E Main St, Shrub Oak, NY 10588

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,621 sqft · built 1920
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on Record
Tax Bill	$14,108 (2026)
Deeds & Mortgages	Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`555400 16.09-2-21`

Property Details

APN / Parcel Number

Primary APN	`555400 16.09-2-21`
Alternative APNs	`540003209100020020044500` `1044500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,621 sqft Total Area
1st Floor Area	371 sqft
2nd Floor Area	1,250 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Lot Area	50,094 sqft (1.15 acres)
Boat Access	Boat Access

Location & Zoning

Account Number	1044500
Street Address	1281 E MAIN ST
City	SHRUB OAK
State	NY
Zip	10588-1421
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1-40
Legal Block	2
Legal Lot Number	21.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	YORKTOWN
Census Block Group	3
Census Block	3000
Census Tract	14812

Owner

Source: Westchester County and Yorktown 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	Individual Name on Record
Mailing Address	1281 E MAIN ST, SHRUB OAK, NY 10588-1421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 15, 1996
Transfer Doc	1160000208
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	1281 E MAIN ST, SHRUB OAK, NY 10588-1421
Transaction Type	Mortgage
Record Updated	Apr 20, 2023
Title Company	TITLEVEST AGENCY INC, TITLEVEST AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1281 E MAIN ST, SHRUB OAK, NY 10588-1421

Mortgage

Document Number	0631023290
Date	Apr 13, 2023
Instrument	631023290

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2038

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	Yorktown Town
Unified School District	Lakeland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,108.00 (-80.16%)
2025	$71,097.00	$8,400 (-) Land $2,100 Building $6,300	$525,000 (+10.63%) Land $131,250 Building $393,750
2024		$8,400 (-) Land $2,100 Building $6,300	$474,576 (-2.82%) Land $118,644 Building $355,932
2023		$8,400 Land $2,100 Building $6,300	$488,372 Land $122,093 Building $366,279

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	6 in force

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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	YORKTOWN CONSOLD. WATER DIST.#1 serves 36,000 people · EPA ID NY5903469
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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

Provider	Max 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