16 Harbor Terrace Dr, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 16 Harbor Terrace Dr, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,746 sqft · built 1954
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$1,175,000 (Jun 2021)
Tax Bill	$55,503 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`551400 153-6-1-47`

Property Details

APN / Parcel Number

Primary APN	`551400 153-6-1-47`
Alternative APN	`140015300600010470000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,746 sqft Living Area
1st Floor Area	1,026 sqft
2nd Floor Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	16 HARBOR TERRACE DR
City	RYE
State	NY
Zip	10580-2426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Subdivision	HARBOR TERRACE
Legal Block	1
Legal Lot Number	47.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	2
Census Block	2013
Census Tract	7500

Owner

Source: Westchester County and Rye City records · APN 551400 153-6-1-47

Assessment roll updated May 14, 2026 · Last verified May 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 File
Mailing Address	16 HARBOR TERRACE DR, RYE, NY 10580-2426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 28, 2021 · Amount on Record
Deed Sale	Jun 28, 2021 · Amount on Record
Prior Sale	Jun 28, 2021 · Amount on Record
Deed Document Number	2021611613096
Prior Transfer Date	Oct 07, 2010
Prior Transfer Doc	0502733336
Record Updated	Jun 08, 2026

June 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Jun 28, 2021
Property Address	16 HARBOR TERRACE DR, RYE, NY 10580-2426
Document Number	0611613096
Map Reference	MAP 2392
Instrument Date	Jun 18, 2021
Instrument	611613096
Transaction Type	Transfer
Record Updated	Jul 23, 2021
Title Company	CROWN ABSTRACT, CROWN ABSTRACT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 HARBOR TERRACE DR, 16, RYE, NY 10580-2426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 LAKE ST # 81, 81, WHITE PLAINS, NY 10603-4033

Mortgage

Document Number	0611723850
Date	Jun 28, 2021
Instrument	611723850

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: Westchester County and Rye City records · Assessment roll updated May 14, 2026 · Last verified May 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$55,503.00	$15,250 (-) Land $4,300 Building $10,950	$1,292,373 (+6.78%) Land $364,407 Building $927,966
2024		$15,250 (-) Land $4,300 Building $10,950	$1,210,318 (+2.38%) Land $341,270 Building $869,048
2023		$15,250 Land $4,300 Building $10,950	$1,182,170 Land $333,333 Building $848,837

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	50 (1978–2024)
Claims Outside the SFHA	29 of 50
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 4 claims Severe Storms And Flooding, Mar 2010 · 4 claims

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 95% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber	980 / 880

Based on FCC filings for 356 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VEOLIA WATER NEW YORK, INC. RD-2 private · serves 57,301 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.