18 Garden Dr, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 18 Garden Dr, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,216 sqft · built 1915
Lot Size	0.07 acres (3,049 sqft)
Owner	Company Name on Record
Last Sale	$640,000 (Aug 2022)
Tax Bill	$11,916 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`551400 153-7-2-53`

Property Details

APN / Parcel Number

Primary APN	`551400 153-7-2-53`
Alternative APN	`140015300700020530000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	824 sqft
2nd Floor Area	392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Cape Cod
Lot Area	3,049 sqft (0.07 acres)

Location & Zoning

Street Address	18 GARDEN DR
City	RYE
State	NY
Zip	10580-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Block	2
Legal Lot Number	53.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	3
Census Block	3008
Census Tract	7600

Owner

Source: Westchester County and Rye City 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	Company Name on Record
Mailing Address	45 GARDEN DR, RYE, NY 10580-3313
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2022 · Amount on Record
Deed Sale	Aug 15, 2022 · Amount on Record
Deed Document Number	20223015
Record Updated	Oct 29, 2026

August 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Aug 15, 2022
Property Address	18 GARDEN DR, RYE, NY 10580-3313
Document Number	0622123015
Map Reference	VOL 35 PG 4
Instrument Date	Aug 11, 2022
Instrument	622123015
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	ADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,560.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 GARDEN DR, 18, RYE, NY 10580-3313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 GARDEN DR, RYE, NY 10580-3313
Mail Care Of	STEVEN MAZZILLI

Mortgage

Document Number	0622243681
Date	Aug 15, 2022
Instrument	622243681

Lender

Name	CITY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.24%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.24%
Index	1-Year CMT
Margin	3
Max Rate	9.24%

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	$11,916.00 (+58.77%)
2025	$7,505.00	$9,400 (-) Land $3,300 Building $6,100	$796,610 (+6.78%) Land $279,661 Building $516,949
2024		$9,400 (-) Land $3,300 Building $6,100	$746,032 (+2.38%) Land $261,905 Building $484,127
2023		$9,400 Land $3,300 Building $6,100	$728,682 Land $255,814 Building $472,868

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 Record median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	71 (1978–2024)
Claims Outside the SFHA	16 of 71
Most Recent Claim	Apr 2024 · river or lake flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 7 claims Hurricane Sandy, Oct 2012 · 14 claims Hurricane Irene, Aug 2011 · 7 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 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct 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 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 222 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

Cell Coverage

5G (outdoors only) and 4G LTE

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