Westchester County and Rye City property record for 195 Locust Ave, Rye, NY 10580
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,668 sqft · built 1948 |
| Lot Size | 0.73 acres (31,799 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,850,000 (Sep 2020) |
| Tax Bill | $38,031 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 551400 146-6-2-18 |
| Primary APN | 551400 146-6-2-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,668 sqft Living Area |
| 1st Floor Area | 1,921 sqft |
| 2nd Floor Area | 747 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Lot Area | 31,799 sqft (0.73 acres) |
| Street Address | 195 LOCUST AVE |
|---|---|
| City | RYE |
| State | NY |
| Zip | 10580-1661 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Subdivision | LOCUST HILLS |
| Legal Block | 2 |
| Legal Lot Number | 18.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | RYE |
| Census Block Group | 3 |
| Census Block | 3003 |
| 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 | 195 LOCUST AVE, RYE, NY 10580-1661 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Sep 11, 2020 | Bargain and Sale Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2020 · Amount on Record |
| Deed Sale | Sep 11, 2020 · Amount on Record |
| Prior Sale | Sep 16, 2008 · Amount on Record |
| Deed Document Number | 2020602483609 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 195 LOCUST AVE, RYE, NY 10580-1661 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Title Company | SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY |
| Name | Verified Name |
|---|---|
| Address | 195 LOCUST AVE, RYE, NY 10580-1661 |
| Document Number | 0652513470 |
|---|---|
| Date | Sep 17, 2025 |
| Instrument | 652513470 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 2, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Sep 11, 2020 |
| Property Address | 195 LOCUST AVE, RYE, NY 10580-1661 |
| Document Number | 0602483609 |
| Map Reference | MAP 6601 |
| Instrument Date | Sep 8, 2020 |
| Instrument | 602483609 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2022 |
| Title Company | FUTURE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 195 LOCUST AVE, 195, RYE, NY 10580-1661 |
| Name | Verified Name |
|---|---|
| Address | 88 LEONARD ST APT 419, 419, NEW YORK, NY 10013-3494 |
| Document Number | 0602533245 |
|---|---|
| Date | Sep 11, 2020 |
| Instrument | 602533245 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
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 | $38,031.00 (+8.95%) | ||
| 2025 | $34,907.00 | $30,000 (-) Land $9,050 Building $20,950 | $2,542,373 (+6.78%) Land $766,949 Building $1,775,424 |
| 2024 | $30,000 (-) Land $9,050 Building $20,950 | $2,380,952 (+2.38%) Land $718,254 Building $1,662,698 | |
| 2023 | $30,000 Land $9,050 Building $20,950 | $2,325,581 Land $701,550 Building $1,624,031 |
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 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 24 (1978–2023) |
| Claims Outside the SFHA | 18 of 24 |
| 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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