Westchester County and Harrison Town property record for 20 James Rd, Harrison, NY 10528
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,788 sqft · built 1970 |
| Lot Size | 2.4 acres (104,544 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $880,000 (Oct 2016) |
| Tax Bill | $23,227 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 552801 0491.-55 |
| Primary APN | 552801 0491.-55 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,788 sqft Living Area |
| 1st Floor Area | 2,788 sqft |
| Basement Area | 162 sqft |
| Finished Basement | 162 sqft |
| Unfinished Basement | 162 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 104,544 sqft (2.4 acres) |
| Porch | Slab |
| Porch Area | 330 sqft |
| Patio Area | 58 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 000030410 |
|---|---|
| Street Address | 20 JAMES RD |
| City | HARRISON |
| State | NY |
| Zip | 10528-1202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Lot Number | 55 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | HARRISON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 8500 |
Source: Westchester County and Harrison Town 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 | 20 JAMES RD, HARRISON, NY 10528-1202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LUXURY MORTGAGE CORP |
| Feb 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LUXURY MORTGAGE CORP |
| Apr 23, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2016 · Amount on Record |
| Deed Sale | Oct 17, 2016 · Amount on Record |
| Deed Document Number | 2016562703192 |
| Prior Transfer Date | Nov 3, 1993 |
| Prior Transfer Doc | 1073000291 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 20 JAMES RD, HARRISON, NY 10528-1202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2023 |
| Title Company | FIRST CHOICE TITLE AGENCY, FIRST CHOICE TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Address | 20 JAMES RD, HARRISON, NY 10528-1202 |
| Document Number | 0610293456 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 610293456 |
| Name | LUXURY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STAMFORD, CT 06901 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2051 |
| Rate | 2.62% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 20 JAMES RD, HARRISON, NY 10528-1202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2023 |
| Title Company | FIRST CHOICE TITLE AGENCY, FIRST CHOICE TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Address | 20 JAMES RD, HARRISON, NY 10528-1202 |
| Document Number | 0610293454 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 610293454 |
| Name | LUXURY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STAMFORD, CT 06901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 20 JAMES RD, HARRISON, NY 10528-1202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LIBERTY TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0581133434 |
|---|---|
| Date | Apr 23, 2018 |
| Instrument | 581133434 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 5, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Westchester County and Harrison Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| County Subdivision | Harrison Town |
| Municipality | Harrison Village |
| Unified School District | Harrison Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $23,227.00 (-36.65%) | ||
| 2025 | $36,663.00 | $13,820 (-) Land $6,000 Building $7,820 | $1,191,379 (-2.59%) Land $517,241 Building $674,138 |
| 2024 | $13,820 (-) Land $4,130 Building $9,690 | $1,223,009 (+3.54%) Land $365,487 Building $857,522 | |
| 2023 | $13,820 Land $4,130 Building $9,690 | $1,181,196 Land $352,991 Building $828,205 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 71 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 71 in force |
| Nearby Flood Claims | 195 (1978–2024) |
| Claims Outside the SFHA | 67 of 195 |
| Most Recent Claim | Mar 2024 · river or lake 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 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.
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 206 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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