21 Quarry Ln, Bedford, NY 10506 Property Records

Westchester County and Bedford Town property record for 21 Quarry Ln, Bedford, NY 10506

Property Summary

Property Type	Single Family Home
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$950,000 (Aug 2004)
Tax Bill	$18,043 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Dec 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`552000 84.16-2-11`

Property Details

APN / Parcel Number

Primary APN	`552000 84.16-2-11`
Alternative APNs	`200008401600020110000000` `00000474300`

Exterior

Lot Area	47,916 sqft (1.1 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00000474300
Street Address	21 QUARRY LN
City	BEDFORD
State	NY
Zip	10506-1539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	11.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2006
Census Tract	12700

Owner

Source: Westchester County and Bedford 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	21 QUARRY LN, BEDFORD, NY 10506-1539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Dec 2, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS BANK AND TRUST COMPANY
Apr 9, 2018	Deed of Trust, Mortgage · ARM M & T BANK
Mar 23, 2018	Loan Modification, Mortgage · Conventional Mortgage M&T BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2004 · Amount on Record
Deed Sale	Aug 10, 2004 · Amount on Record
Deed Document Number	200441881839
Last Transfer Date	Apr 8, 2005
Transfer Doc	0451190097
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	21 QUARRY LN, BEDFORD, NY 10506-1539
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0610833031
Date	Mar 24, 2021
Instrument	610833031

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	82919

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 7, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	21 QUARRY LN, BEDFORD, NY 10506-1539
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 QUARRY LN, BEDFORD, NY 10506-1539

Mortgage

Document Number	0643373068
Date	Dec 2, 2024
Instrument	643373068

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Recording Date	Apr 6, 2026
Property Address	21 QUARRY LN, BEDFORD, NY 10506-1539
Document Number	0000003141
Instrument Date	Mar 23, 2026
Instrument	20263141
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BENCHMARK TITLE COMPANY, BENCHMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 QUARRY LN, BEDFORD, NY 10506-1539

Mortgage

Document Number	0000003141,
Date	Apr 6, 2026
Instrument	20263141

Lender

Name	MANUFACTURERS BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	21 QUARRY LN, BEDFORD, NY 10506-1539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEYS TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0580943255
Date	Apr 9, 2018
Instrument	580943255

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.26%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WESTCHESTER NY
Property Address	21 QUARRY LN, BEDFORD, NY 10506-1539
Document Number	0580943257
Instrument Date	Mar 23, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	ATTORNEY'S TITLE, ATTORNEY'S TITLE INS AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 QUARRY LN BEDFORD NY 105061539, BEDFORD, NY 10506-1539

Mortgage

Document Number	0580943257
Date	Apr 9, 2018
Book Page	058094/003257

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$18,043.00 (+1.36%) Homeowner's exemption
2025	$17,801.00	$76,095 (-0.01%) Land $21,600 Building $54,495	$994,706 (+6.14%) Land $282,353 Building $712,353
2024	Homeowner's exemption	$76,100 (-) Land $21,600 Building $54,500	$937,192 (+4.56%) Land $266,010 Building $671,182
2023		$76,100 Land $21,600 Building $54,500	$896,349 Land $254,417 Building $641,932

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	11 (1984–2023)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Sep 2023 · Severe Storm And Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 4 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 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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