Westchester County and Rye City property record for 190 Locust Ave, Rye, NY 10580
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 6.5 ba · 6,833 sqft · built 2010 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,054,200 (Jul 2009) |
| Tax Bill | $95,649 (2026) |
| Deeds & Mortgages | Jan 2026 Line of Credit Sep 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 551400 146-6-1-35 |
| Primary APN | 551400 146-6-1-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 6,833 sqft Living Area |
| 1st Floor Area | 3,430 sqft |
| 2nd Floor Area | 3,403 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Colonial |
| Lot Area | 52,272 sqft (1.2 acres) |
| Street Address | 190 LOCUST AVE |
|---|---|
| City | RYE |
| State | NY |
| Zip | 10580-2943 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | WIND CREST |
| Legal Block | 1 |
| Legal Lot Number | 35.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | RYE |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 7700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 190 LOCUST AVE, RYE, NY 10580-2943 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 15, 2026 | Deed of Trust, Mortgage · Line of Credit HSBC BANK USA |
| Sep 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Sep 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2009 · Amount on Record |
| Deed Sale | Jul 22, 2009 · Amount on Record |
| Prior Sale | Feb 9, 2007 · Amount on Record |
| Deed Document Number | 2009491900517 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 190 LOCUST AVE, RYE, NY 10580-2943 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Title Company | BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 190 LOCUST AVE, RYE, NY 10580-2943 |
| Document Number | 0660153402 |
|---|---|
| Date | Jan 15, 2026 |
| Instrument | 660153402 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 15, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 190 LOCUST AVE, RYE, NY 10580-2943 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | CITYLINE ABSTRACT LLC |
| Name | Verified Name |
|---|---|
| Address | 190 LOCUST AVE, RYE, NY 10580-2943 |
| Document Number | 0612463500 |
|---|---|
| Date | Sep 28, 2021 |
| Instrument | 612463500 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 190 LOCUST AVE, RYE, NY 10580-2943 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | CITYLINE ABSTRACT LLC |
| Name | Verified Name |
|---|---|
| Address | 190 LOCUST AVE, RYE, NY 10580-2943 |
| Document Number | 0612463480 |
|---|---|
| Date | Sep 28, 2021 |
| Instrument | 612463480 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 1, 2051 |
Source: Westchester County and Rye City assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| Municipality | Rye City |
| Unified School District | Rye City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $95,649.00 (+8.95%) | ||
| 2025 | $87,793.00 | $75,450 (-) Land $16,650 Building $58,800 | $6,394,068 (+6.78%) Land $1,411,017 Building $4,983,051 |
| 2024 | $75,450 (-) Land $16,650 Building $58,800 | $5,988,096 (+2.38%) Land $1,321,429 Building $4,666,667 | |
| 2023 | $75,450 Land $16,650 Building $58,800 | $5,848,838 Land $1,290,698 Building $4,558,140 |
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.
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 Record median of 98 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 100 units insured incl. 2 condo units |
| Nearby Flood Claims | 559 (1978–2023) |
| Claims Outside the SFHA | 44 of 559 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 93% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 223 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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