2 Topsail Ln, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 2 Topsail Ln, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,148 sqft · built 1928
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,900,000 (Apr 2019)
Tax Bill	$57,364 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551400 153-14-1-44`

Property Details

APN / Parcel Number

Primary APN	`551400 153-14-1-44`
Alternative APN	`140015301400010440000000`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,148 sqft Living Area
1st Floor Area	2,344 sqft
2nd Floor Area	1,804 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Colonial
Lot Area	43,996 sqft (1.01 acres)

Location & Zoning

Street Address	2 TOPSAIL LN
City	RYE
State	NY
Zip	10580-3117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	HOBARD FORD
Legal Block	1
Legal Lot Number	44.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	2
Census Block	2014
Census Tract	7600

Owner

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	2 TOPSAIL LN, RYE, NY 10580-3117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Oct 31, 2019	Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK
Apr 3, 2019	Deed, Transfer · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2019 · Amount on Record
Deed Sale	Apr 3, 2019 · Amount on Record
Deed Document Number	2019590743132
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	2 TOPSAIL LN, RYE, NY 10580-3117
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	STATEWIDE ABSTRACT, STATEWIDE ABSTRACT CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 TOPSAIL LN, RYE, NY 10580-3117

Mortgage

Document Number	0612633744
Date	Sep 23, 2021
Instrument	612633744

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.6%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2028
Change Frequency	Monthly
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	1-Year CMT

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	2 TOPSAIL LN, RYE, NY 10580-3117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STATEWIDE ABSTRACT CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0593033498
Date	Oct 31, 2019
Instrument	593033498

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 26, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Apr 3, 2019
Property Address	2 TOPSAIL LN, RYE, NY 10580-3117
Document Number	0590743132
Instrument Date	Mar 22, 2019
Instrument	590743132
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 TOPSAIL LN, 2, RYE, NY 10580-3117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OLD FULTON ST APT 6F, 6F, BROOKLYN, NY 11201-6909

Mortgage

Document Number	0590843630
Date	Apr 3, 2019
Instrument	590843630

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2024
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.9%

Tax Assessment & Valuation

Source: Westchester County and Rye City assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
Municipality	Rye City
Unified School District	Rye City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$57,364.00 (-48.97%)
2025	$112,403.00	$45,250 (-) Land $15,750 Building $29,500	$3,834,746 (+6.78%) Land $1,334,746 Building $2,500,000
2024		$45,250 (-) Land $15,750 Building $29,500	$3,591,270 (+2.38%) Land $1,250,000 Building $2,341,270
2023		$45,250 Land $15,750 Building $29,500	$3,507,752 Land $1,220,930 Building $2,286,822

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

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 134 policies
Nearby Flood Policies	134 in force
Nearby Flood Claims	356 (1978–2024)
Claims Outside the SFHA	94 of 356
Most Recent Claim	Aug 2024 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 59 claims Severe Storms, Flooding, Heavy Rains, High Winds, Oct 1996 · 41 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 51 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
Optimum Cable	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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