2 N Water St, Ossining, NY 10562 Property Records

Westchester County and Ossining Town property record for 2 N Water St, Ossining, NY 10562

Property Summary

Property Type	Apartments (5+ Units)
Lot Size	1.85 acres (80,586 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Mar 2026)
Tax Bill	$3,997 (2025)
Deeds & Mortgages	Mar 2026 Sale Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`554203 89.19-1-7`

Property Details

APN / Parcel Number

Primary APN	`554203 89.19-1-7`

Interior

Units	12 Units

Exterior

Lot Area	80,586 sqft (1.85 acres)

Location & Zoning

Street Address	2 N WATER ST
City	OSSINING
State	NY
Zip	10562-3256
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Block	1
Legal Lot Number	7.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	OSSINING
Census Block Group	3
Census Block	3014
Census Tract	13600

Owner

2 N Water St, a residential property, is owned by two individuals who bought it in March 2026.

Source: Westchester County and Ossining Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	25 SPRUCE LN N, 4, CHAPPAQUA, NY 10514-3307
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Mar 31, 2026	Bargain and Sale Deed, Transfer
Aug 17, 2020	Deed of Trust, Mortgage · Line of Credit PCSB BK
Apr 10, 2020	Loan Modification, Mortgage · Conventional Mortgage PCSB BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026 · Amount on File
Deed Sale	Mar 31, 2026 · Amount on File
Deed Document Number	20263238
Prior Transfer Date	Jun 24, 2024
Prior Transfer Doc	0000003098
Record Updated	Sep 20, 2026

March 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Mar 31, 2026
Property Address	2 N WATER ST, OSSINING, NY 10562-3256
Document Number	0660783238
Map Reference	MAP 23320
Instrument Date	Mar 25, 2026
Instrument	660783238
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount on Record
Tax	$1,880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 HALF MOON BAY DR, CROTON ON HUDSON, NY 10520-3100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 SPRUCE LN N # 4, 4, CHAPPAQUA, NY 10514-3307

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	2 N WATER ST, OSSINING, NY 10562-3256
Document Number	0602533723
Instrument Date	Aug 17, 2020
Transaction Type	Mortgage
Record Updated	Sep 30, 2020
Title Company	FUTURE TITLE AGENCY INC, FUTURE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 N WATER ST #1B OSSINING NY 105623231, 1B, OSSINING, NY 10562-3231

Mortgage

Document Number	0602533723
Date	Sep 14, 2020
Book Page	060253/003723

Lender

Name	PCSB BK
Type	Bank
Address	YORKTOWN HEIGHTS, NY 10598

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 13, 2045

Interest

Rate Type	Adjustable Rate

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WESTCHESTER NY
Property Address	2 N WATER ST, OSSINING, NY 10562-3256
Document Number	0602613401
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	FUTURE TITLE AGENCY INC, FUTURE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 N WATER ST #1B OSSINING NY 105623231, 1B, OSSINING, NY 10562-3231

Mortgage

Document Number	0602613401
Date	Oct 6, 2020
Book Page	060261/003401

Lender

Name	PCSB BK
Type	Bank
Address	YORKTOWN HTS, NY 10598

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 5, 2040

Interest

Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 2 N Water St was $3,997.

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

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	Ossining Town
Municipality	Ossining Village
Unified School District	Ossining Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill
2025	$3,997.00

Flood

FEMA maps place 2 N Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	13 (1978–2024)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 2 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 2 N Water St 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 99.1% of the US · lower than 99.2% 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.

Drinking Water

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

Water System	OSSINING WATER DEPARTMENT serves 30,000 people · EPA ID NY5903451
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 358 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

May also be available: T-Mobile.

Nearby Properties on N Water St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures