Westchester County and Rye City property record for 197 Central Ave, Rye, NY 10580
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,036 sqft · built 1992 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $877,500 (May 2005) |
| Tax Bill | $23,579 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Oct 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 551400 146-6-2-67 |
| Primary APN | 551400 146-6-2-67 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,036 sqft Living Area |
| 1st Floor Area | 1,018 sqft |
| 2nd Floor Area | 1,018 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Cooling System | Central |
|---|
| Street Address | 197 CENTRAL AVE |
|---|---|
| City | RYE |
| State | NY |
| Zip | 10580-1668 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Block | 2 |
| Legal Lot Number | 67.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | RYE |
| Census Block Group | 3 |
| Census Block | 3012 |
| 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 | 197 CENTRAL AVE, RYE, NY 10580-1668 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 29, 2020 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2005 · Amount on Record |
| Deed Sale | May 10, 2005 · Amount on Record |
| Prior Sale | May 10, 2005 · Amount on Record |
| Deed Document Number | 2005451170484 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 197 CENTRAL AVE, RYE, NY 10580-1668 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BLACKACRE TITLE AGENCY CORP |
| Name | Verified Name |
|---|
| Document Number | 0603443230 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 603443230 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 1, 2040 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 197 CENTRAL AVE, RYE, NY 10580-1668 |
| Document Number | 0603443238 |
| Instrument Date | Oct 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2020 |
| Title Company | BLACKACRE TITLE AGENCY CORPORATION, BLACKACRE TITLE AGENCY CORP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 197 CENTRAL AVE RYE NY 105801668, RYE, NY 10580-1668 |
| Document Number | 0603443238 |
|---|---|
| Date | Dec 9, 2020 |
| Book Page | 060344/003238 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55467-8000 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 8, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
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 | $23,579.00 (+8.95%) | ||
| 2025 | $21,642.00 | $18,600 (-) Land $5,000 Building $13,600 | $1,576,271 (+6.78%) Land $423,729 Building $1,152,542 |
| 2024 | $18,600 (-) Land $5,000 Building $13,600 | $1,476,190 (+2.38%) Land $396,825 Building $1,079,365 | |
| 2023 | $18,600 Land $5,000 Building $13,600 | $1,441,861 Land $387,597 Building $1,054,264 |
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 96% of the US · lower than 95% 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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