Westchester County and Mount Pleasant Town property record for 196 Prospect Ave, Valhalla, NY 10595
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,550 sqft · built 1959 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $460,000 (Jul 2015) |
| Deeds & Mortgages | Feb 2017 Line of Credit Nov 2016 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 553489 117.15-4-2 |
| Primary APN | 553489 117.15-4-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,550 sqft Living Area |
| 1st Floor Area | 740 sqft |
| 2nd Floor Area | 810 sqft |
| Basement Area | 557 sqft |
| Unfinished Basement | 557 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Basement |
| Porch | Porch |
| Porch Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 13088000 |
|---|---|
| Street Address | 196 PROSPECT AVE |
| City | VALHALLA |
| State | NY |
| Zip | 10595-1831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 4 |
| Legal Lot Number | 2.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | MOUNT PLEASANT |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 11902 |
Source: Westchester County and Mount Pleasant Town records, as of May 14, 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 | 196 PROSPECT AVE, VALHALLA, NY 10595-1831 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2017 | Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU |
| Nov 9, 2016 | Loan Modification, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2015 · Amount on Record |
| Deed Sale | Jul 14, 2015 · Amount on Record |
| Deed Document Number | 2015551633003 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 196 PROSPECT AVE, VALHALLA, NY 10595-1831 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0563373644 |
|---|---|
| Date | Feb 8, 2017 |
| Instrument | 563373644 |
| Name | USALLIANCE FCU |
|---|---|
| Type | Credit Union |
| Address | WOBURN, MA 01801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 7, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 196 PROSPECT AVE, VALHALLA, NY 10595-1831 |
| Document Number | 0563373611 |
| Instrument Date | Nov 9, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2019 |
| Title Company | VISTA LAND SERVICES, VISTA LAND SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 196 PROSPECT AVE VALHALLA NY 105951831, VALHALLA, NY 10595-1831 |
| Document Number | 0563373611 |
|---|---|
| Date | Feb 8, 2017 |
| Book Page | 056337/003611 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 7, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $6,800 (-) Land $750 Building $6,050 | $673,267 (+5.94%) Land $74,257 Building $599,010 |
| 2024 | $6,800 (-) Land $750 Building $6,050 | $635,514 (+5.61%) Land $70,093 Building $565,421 |
| 2023 | $6,800 Land $750 Building $6,050 | $601,770 Land $66,372 Building $535,398 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 89% 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 | 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 42 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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