15 Radcliffe St, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 15 Radcliffe St, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,094 sqft · built 1926
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$819,000 (Jun 2012)
Tax Bill	$18,001 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2021 Refinance + 2 more
Flood Zone	Zone X (moderate risk)
APN	`551400 146-19-1-17`

Property Details

APN / Parcel Number

Primary APN	`551400 146-19-1-17`
Alternative APN	`140014601900010170000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,094 sqft Living Area
1st Floor Area	1,077 sqft
2nd Floor Area	1,017 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Colonial
Exterior Material	Stucco
Lot Area	6,098 sqft (0.14 acres)

Location & Zoning

Street Address	15 RADCLIFFE ST
City	RYE
State	NY
Zip	10580-3526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Subdivision	SUBDIVISION MAP RYE BEACH MANOR
Legal Block	1
Legal Lot Number	17.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	5
Census Block	5010
Census Tract	7600

Owner

Source: Westchester County and Rye City 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 File
Mailing Address	15 RADCLIFFE ST, RYE, NY 10580-3526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Aug 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RIDGEWOOD SAVINGS BANK
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage RIDGEWOOD SAVINGS BANK
Aug 15, 2017	Deed of Trust, Mortgage · Line of Credit WEBSTER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2012 · Amount on File
Deed Sale	Jun 21, 2012 · Amount on File
Deed Document Number	2012521633313
Prior Transfer Date	Dec 3, 2002
Prior Transfer Doc	0431740736
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	15 RADCLIFFE ST, RYE, NY 10580-3526
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	CELTIC TITLE AND ABSTRACT LLC, CELTIC TITLE & ABSTRACT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 SCARLET OAK DR, WILTON, CT 06897-1015

Mortgage

Document Number	0660163402
Date	Jan 20, 2026
Instrument	660163402

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	15 RADCLIFFE ST, RYE, NY 10580-3526
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	FREEDOM ABSTRACT INC, FREEDOM ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 RADCLIFFE ST, RYE, NY 10580-3526

Mortgage

Document Number	0612323655
Date	Aug 20, 2021
Instrument	612323655

Lender

Name	RIDGEWOOD SAVINGS BANK
Type	Bank
Address	NEW HYDE PARK, NY 11042

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Interest

Min Rate At Change	2.75%
Max Rate At Change	7.87%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	15 RADCLIFFE ST, RYE, NY 10580-3526
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	FREEDOM ABSTRACT INC, FREEDOM ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 RADCLIFFE ST, RYE, NY 10580-3526

Mortgage

Document Number	0612323654
Date	Aug 20, 2021
Instrument	612323654

Lender

Name	RIDGEWOOD SAVINGS BANK
Type	Bank
Address	NEW HYDE PARK, NY 11042

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2038
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.8%
Index	1-Year CMT
Max Rate	8.87%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	15 RADCLIFFE ST, RYE, NY 10580-3526
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0572273015
Date	Aug 15, 2017
Instrument	572273015

Lender

Name	WEBSTER BANK NA
Type	Bank
Address	WATERBURY, CT 06702

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Jun 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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 City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$18,001.00 (-34.03%)
2025	$27,286.00	$14,200 (-) Land $4,500 Building $9,700	$1,203,390 (+6.78%) Land $381,356 Building $822,034
2024		$14,200 (-) Land $4,500 Building $9,700	$1,126,984 (+2.38%) Land $357,143 Building $769,841
2023		$14,200 Land $4,500 Building $9,700	$1,100,775 Land $348,837 Building $751,938

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 56 policies
Nearby Flood Policies	56 in force
Nearby Flood Claims	143 (1979–2023)
Claims Outside the SFHA	39 of 143
Most Recent Claim	Sep 2023 · Severe Storm And Flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 20 claims Hurricane Irene, Aug 2011 · 16 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 23 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 96% of the US · lower than 95% 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	VEOLIA WATER NEW YORK, INC. RD-2 private · serves 57,301 people · EPA ID NY5903456
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2025
Lead	2 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	2 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 413 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

May also be available: T-Mobile.

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