Westchester County and Rye City property record for 20 Harbor Ln, Rye, NY 10580
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,838 sqft · built 1959 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $660,000 (Sep 2000) |
| Tax Bill | $37,713 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 551400 153-13-1-55 |
| Primary APN | 551400 153-13-1-55 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,838 sqft Living Area |
| 1st Floor Area | 1,766 sqft |
| 2nd Floor Area | 2,072 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Split Level |
| Exterior Material | Composition/Composite |
| Lot Area | 19,602 sqft (0.45 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 20 HARBOR LN |
|---|---|
| City | RYE |
| State | NY |
| Zip | 10580-2213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | SUBDIVISION MAP OF BARLOW WOODS |
| Legal Block | 1 |
| Legal Lot Number | 55.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | RYE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 7500 |
Source: Westchester County and Rye City records, as of May 14, 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 | 20 HARBOR LN, RYE, NY 10580-2213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 4, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC |
| Jan 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FAIRFIELD COUNTY BANK |
| Jan 6, 2021 | Intrafamily Transfer, Transfer STANDISH TITLE AGENCY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 2000 · Amount on Record |
| Deed Sale | Sep 14, 2000 · Amount on Record |
| Deed Document Number | 2000402450521 |
| Last Transfer Date | Dec 14, 2020 |
| Transfer Doc | 0610043664 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | May 4, 2026 |
| Property Address | 20 HARBOR LN, RYE, NY 10580-2213 |
| Document Number | 0000003443 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20263443 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICE TITLE, SERVICELINK TITLE |
| Name | Verified Name |
|---|---|
| Address | 20 HARBOR LN, RYE, NY 10580-2213 |
| Document Number | 0000003443, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 20263443 |
| Name | CITIZENS BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Apr 24, 2051 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 20 HARBOR LN, RYE, NY 10580-2213 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Title Company | ATTORNEY'S TITLE, ATTORNEYS TITLE INS AGCY INC |
| Name | Verified Name |
|---|---|
| Address | 20 HARBOR LN, RYE, NY 10580-2213 |
| Document Number | 0620033654 |
|---|---|
| Date | Jan 7, 2022 |
| Instrument | 620033654 |
| Name | FAIRFIELD COUNTY BANK |
|---|---|
| Type | Bank |
| Address | RIDGEFIELD, CT 06877 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Jan 6, 2021 |
| Property Address | 20 HARBOR LN, RYE, NY 10580-2213 |
| Document Number | 0610043664 |
| Map Reference | MAP 10650 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 610043664 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2022 |
| Title Company | STANDISH TITLE AGENCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 199 MONITOR ST, 199, BROOKLYN, NY 11222-3603 |
| Name | Verified Name |
|---|---|
| Address | 20 HARBOR LN, RYE, NY 10580-2213 |
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 Neck Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $37,713.00 | $22,400 (-) Land $8,200 Building $14,200 | $1,898,305 (+6.78%) Land $694,915 Building $1,203,390 |
| 2024 | $22,400 (-) Land $8,200 Building $14,200 | $1,777,778 (+2.38%) Land $650,794 Building $1,126,984 | |
| 2023 | $22,400 Land $8,200 Building $14,200 | $1,736,434 Land $635,659 Building $1,100,775 |
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 37 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 74 (1978–2023) |
| Claims Outside the SFHA | 27 of 74 |
| 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 95% of the US · lower than 94% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 239 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 |
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