Westchester County and Mount Pleasant Town property record for 163 Prospect Ave, Valhalla, NY 10595
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,680 sqft · built 1949 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (Jul 2005) |
| Tax Bill | $19,731 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Oct 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 553489 117.15-3-13 |
| Primary APN | 553489 117.15-3-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| 2nd Floor Area | 560 sqft |
| Basement Area | 560 sqft |
| Finished Basement | 560 sqft |
| Unfinished Basement | 560 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 13157000 |
|---|---|
| Street Address | 163 PROSPECT AVE |
| City | VALHALLA |
| State | NY |
| Zip | 10595-1830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Subdivision | SECTION #1 MAP OF KENISCO |
| Legal Block | 3 |
| Legal Lot Number | 13.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | MOUNT PLEASANT |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 11902 |
163 Prospect Ave is owned and occupied by two individuals who bought it in July 2005.
Source: Westchester County and Mount Pleasant Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 163 PROSPECT AVE, VALHALLA, NY 10595-1830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Oct 4, 2022 | Quit Claim Deed, Transfer · Line of Credit HUDSON VALLEY FCU |
| Sep 7, 2018 | Grant Deed, Transfer · Conventional with PMI BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2005 · Amount on File |
| Deed Sale | Jul 15, 2005 · Amount on File |
| Prior Sale | Sep 11, 1997 · Amount on File |
| Deed Document Number | 2005451940027 |
| Prior Transfer Date | Feb 17, 1994 |
| Prior Transfer Doc | 1081000019 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 163 PROSPECT AVE, VALHALLA, NY 10595-1830 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Title Company | EQUITY NATIONAL TITLE AND CLOSING, EQUITY NATL TTL & CLOSING |
| Name | Verified Name |
|---|
| Document Number | 0610703332 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 610703332 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | ASH, NC 28420 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Oct 4, 2022 |
| Property Address | 163 PROSPECT AVE, VALHALLA, NY 10595-1830 |
| Document Number | 0622543006 |
| Instrument Date | Aug 11, 2022 |
| Instrument | 622543006 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 144 WESTCHESTER AVE, THORNWOOD, NY 10594-1221 |
| Document Number | 0622713100 |
|---|---|
| Date | Oct 4, 2022 |
| Instrument | 622713100 |
| Name | HUDSON VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Sep 7, 2018 |
| Property Address | 163 PROSPECT AVE, VALHALLA, NY 10595-1830 |
| Document Number | 0582393661 |
| Book / Page | 058239 / 003661 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2019 |
| Title Company | REALTY RESOURCE SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,640.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 391 MIDLAND AVE #AVE-B RYE NY 105803961, RYE, NY 10580-3961 |
| Document Number | 582503104 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 058250/003104 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2048 |
The 2026 property tax bill for 163 Prospect Ave was $19,731.
Source: Westchester County and Mount Pleasant Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| County Subdivision | Mount Pleasant Town |
| Unified School District | Valhalla Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $19,731.00 | ||
| 2025 | $8,700 (-) Land $1,100 Building $7,600 | $861,386 (+5.94%) Land $108,911 Building $752,475 | |
| 2024 | $8,700 (-) Land $1,100 Building $7,600 | $813,084 (+5.61%) Land $102,804 Building $710,280 | |
| 2023 | $8,700 Land $1,100 Building $7,600 | $769,911 Land $97,345 Building $672,566 | |
| 2020 | $15,713.00 |
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.
FEMA maps place 163 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1978.
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 | 5 in force |
| Nearby Flood Claims | 11 (1978–2023) |
| Claims Outside the SFHA | 7 of 11 |
| Most Recent Claim | Sep 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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 risk around 163 Prospect Ave is low, with a 0.01% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KENSICO WATER DISTRICT serves 17,917 people · EPA ID NY5930082 |
|---|---|
| Water Source | Purchased surface water from NEW YORK CITY SYSTEM |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2022 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 307 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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