Westchester County and Rye City property record for 197 North St, Rye, NY 10580
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,600 sqft · built 1895 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $410,000 (Feb 2004) |
| Tax Bill | $12,677 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 551400 146-10-1-60 |
| Primary APN | 551400 146-10-1-60 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 973 sqft |
| 2nd Floor Area | 627 sqft |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,920 sqft (0.09 acres) |
| Street Address | 197 NORTH ST |
|---|---|
| City | RYE |
| State | NY |
| Zip | 10580-1519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 60.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | RYE |
| Census Block Group | 3 |
| Census Block | 3018 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 197 NORTH ST, RYE, NY 10580-1519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 24, 2020 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Apr 24, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONWIDE EQUITIES |
| Apr 23, 2018 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Apr 23, 2018 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 2004 · Amount on Record |
| Deed Sale | Feb 20, 2004 · Amount on Record |
| Deed Document Number | 200440080633 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 197 NORTH ST, RYE, NY 10580-1519 |
| Document Number | 0601253142 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2020 |
| Title Company | LAND TRACK TITLE AGENCY LLC, LAND TRACK TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 197 NORTH ST RYE NY 105801519, RYE, NY 10580-1519 |
| Document Number | 0601253142 |
|---|---|
| Date | May 4, 2020 |
| Book Page | 060125/003142 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 948 Months |
| Due | May 3, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.98% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 197 NORTH ST, RYE, NY 10580-1519 |
| Document Number | 0601253141 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2020 |
| Title Company | LAND TRACK TITLE AGENCY LLC, LAND TRACK TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 197 NORTH ST RYE NY 105801519, RYE, NY 10580-1519 |
| Document Number | 0601253141 |
|---|---|
| Date | May 4, 2020 |
| Book Page | 060125/003141 |
| Name | NATIONWIDE EQUITIES |
|---|---|
| Type | Funding / Finance Company |
| Address | MAHWAH, NJ 07495 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 948 Months |
| Due | May 3, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.98% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 197 NORTH ST, RYE, NY 10580-1519 |
| Document Number | 0581203011 |
| Instrument Date | Apr 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2018 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 197 NORTH ST RYE NY 105801519, RYE, NY 10580-1519 |
| Document Number | 0581203011 |
|---|---|
| Date | Apr 30, 2018 |
| Book Page | 058120/003011 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 972 Months |
| Due | Apr 29, 2099 |
| Rate | 5.02% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 197 NORTH ST, RYE, NY 10580-1519 |
| Document Number | 0581203012 |
| Instrument Date | Apr 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2018 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 197 NORTH ST RYE NY 105801519, RYE, NY 10580-1519 |
| Document Number | 0581203012 |
|---|---|
| Date | Apr 30, 2018 |
| Book Page | 058120/003012 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 972 Months |
| Due | Apr 29, 2099 |
| Rate | 5.02% |
|---|
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 | $12,677.00 (+9.53%) | ||
| 2025 | $11,574.00 | $10,000 (-) Land $2,100 Building $7,900 | $847,458 (+6.78%) Land $177,966 Building $669,492 |
| 2024 | $10,000 (-) Land $2,100 Building $7,900 | $793,651 (+2.38%) Land $166,667 Building $626,984 | |
| 2023 | $10,000 Land $2,100 Building $7,900 | $775,194 Land $162,791 Building $612,403 |
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 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 177 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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