18 Waters Edge, Chappaqua, NY 10514 Property Records

Westchester County and New Castle Town property record for 18 Waters Edge, Chappaqua, NY 10514

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,553 sqft · built 1986
Lot Size	0.01 acres (436 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Oct 2017)
Tax Bill	$9,683 (2026)
Deeds & Mortgages	Oct 2020 Refinance Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`553600 100.16-1-13.-18`

Property Details

APN / Parcel Number

Primary APN	`553600 100.16-1-13.-18`
Alternative APNs	`360010001600010130000018` `5229018`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,553 sqft Living Area
1st Floor Area	769 sqft
2nd Floor Area	784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Other
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	436 sqft (0.01 acres)
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	5229018
Street Address	18 WATERS EDGE
City	CHAPPAQUA
State	NY
Zip	10514-3713
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	MFPD
Legal Subdivision	THE HAMLET OF CHAPPAQUA
Legal Block	1
Legal Lot Number	13.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	NEW CASTLE
Census Block Group	3
Census Block	3021
Census Tract	13102

Owner

18 Waters Edge, a condominium, is owned and occupied by two individuals who bought it in October 2017.

Source: Westchester County and New Castle Town records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18 WATERS EDGE, CHAPPAQUA, NY 10514-3713
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 5, 2017	Grant Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BK
Feb 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage BARBARA P BIANCO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2017 · Amount on File
Deed Sale	Oct 6, 2017 · Amount on File
Prior Sale	Aug 30, 2010 · Amount on File
Deed Document Number	2017572653035
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	18 WATERS EDGE, CHAPPAQUA, NY 10514-3713
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0602883702
Date	Oct 16, 2020
Instrument	602883702

Lender

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

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	18 WATERS EDGE, CHAPPAQUA, NY 10514-3713
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0602883697
Date	Oct 16, 2020
Instrument	602883697

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Oct 5, 2017
Property Address	18 WATERS EDGE, CHAPPAQUA, NY 10514-3713
Document Number	0572653035
Book / Page	057265 / 003035
Instrument Date	Sep 25, 2017
Transaction Type	Transfer
Record Updated	Nov 15, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,580.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	785 MAMARONECK AVE WHITE PLAINS NY 106052523, WHITE PLAINS, NY 10605-2523

Mortgage

Document Number	572773116
Date	Oct 5, 2017
Book Page	057277/003116

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	18 WATERS EDGE, CHAPPAQUA, NY 10514-3713
Document Number	0570453157
Book / Page	057045 / 003157
Instrument Date	Feb 6, 2017
Transaction Type	Mortgage
Record Updated	Sep 28, 2017
Title Company	CONTINENTAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2528 BROADWAY ASTORIA NY 111063414, ASTORIA, NY 11106-3414

Mortgage

Document Number	0570453157
Date	Mar 8, 2017
Book Page	057045/003157

Lender

Name	BARBARA P BIANCO
Address	18 WATERS EDGE, RYE, NY 10580-3254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 18 Waters Edge was $9,683, up 44.2% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	New Castle Town
Unified School District	Chappaqua Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,683.00 (+44.2%)
2025	$6,715.00	$54,500 (-) Land $25,000 Building $29,500	$390,681 (+0.86%) Land $179,211 Building $211,470
2024		$54,500 (-) Land $25,000 Building $29,500	$387,349 (+5.19%) Land $177,683 Building $209,666
2023		$54,500 Land $25,000 Building $29,500	$368,243 Land $168,919 Building $199,324

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

FEMA maps place 18 Waters Edge in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1996.

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
Flood Insurance Cost	Premium on File median of 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	10 (1996–2021)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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

Wildfire risk around 18 Waters Edge 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	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	NEW CASTLE/STANWOOD W.D. serves 17,116 people · EPA ID NY5903442
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 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

May also be available: T-Mobile.

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