198 Highland Rd, Rye, NY 10580 Property Records

Westchester County and Harrison Town property record for 198 Highland Rd, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,149 sqft · built 1949
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$860,000 (Sep 2019)
Tax Bill	$21,221 (2026)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`552801 0546.-54`

Property Details

APN / Parcel Number

Primary APN	`552801 0546.-54`
Alternative APNs	`5528000005460000054` `000036250`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,149 sqft Living Area
1st Floor Area	1,234 sqft
2nd Floor Area	915 sqft
Upper Floors Area	725 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Cape Cod
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	213 sqft
Patio Area	25 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	000036250
Street Address	198 HIGHLAND RD
City	RYE
State	NY
Zip	10580-1883
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1/3
Legal Lot Number	54
Jurisdiction	WESTCHESTER NY
Township / Civil Division	HARRISON
Census Block Group	3
Census Block	3043
Census Tract	8500

Owner

198 Highland Rd is owned and occupied by two individuals who bought it in September 2019.

Source: Westchester County and Harrison Town records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	198 HIGHLAND RD, RYE, NY 10580-1883
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2019 · Amount on File
Deed Sale	Sep 30, 2019 · Amount on File
Deed Document Number	2019592393598
Record Updated	Oct 29, 2026

September 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Sep 30, 2019
Property Address	198 HIGHLAND RD, RYE, NY 10580-1883
Document Number	0592393598
Map Reference	MPA 5400
Instrument Date	Sep 20, 2019
Instrument	592393598
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	CATIC TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	198 HIGHLAND RD, 198, RYE, NY 10580-1883

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 PURCHASE ST APT G23, G23, RYE, NY 10580-2132

Mortgage

Document Number	0592703518
Date	Sep 30, 2019
Instrument	592703518

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 198 Highland Rd was $21,221, down 14.9% from the year before.

Source: Westchester County and Harrison Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	Harrison Town
Municipality	Harrison Village
Unified School District	Harrison Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$21,221.00 (-14.86%)
2025	$24,924.00	$12,650 (-) Land $2,600 Building $10,050	$1,090,517 (-2.59%) Land $224,138 Building $866,379
2024		$12,650 (-) Land $2,070 Building $10,580	$1,119,469 (+3.54%) Land $183,186 Building $936,283
2023		$12,650 Land $2,070 Building $10,580	$1,081,197 Land $176,923 Building $904,274

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.

Flood

FEMA maps place 198 Highland Rd in Zone X, an area of minimal flood risk, though there have been 27 flood claims nearby since 1978.

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 File median of 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	27 (1978–2021)
Claims Outside the SFHA	23 of 27
Most Recent Claim	Sep 2021 · other causes
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 3 claims

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.

Wildfire

Wildfire risk around 198 Highland Rd is low, with less than a 0.01% annual chance of wildfire.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTCHESTER JOINT WATER WORKS serves 59,629 people · EPA ID NY5903435
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter currently in violation since Jun 1993 Haloacetic acids resolved · Jul 2019
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Optimum Cable · Fiber in parts of the area	940 / 35
T-Mobile Fixed Wireless	100 / 20