22 Harbor Terrace Dr, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 22 Harbor Terrace Dr, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,387 sqft · built 1927
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$1,060,000 (Mar 2021)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`551400 153-6-1-48`

Property Details

APN / Parcel Number

Primary APN	`551400 153-6-1-48`
Alternative APN	`140015300600010480000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,387 sqft Living Area
1st Floor Area	1,094 sqft
2nd Floor Area	1,076 sqft
Upper Floors Area	217 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Colonial
Exterior Material	Stucco
Lot Area	11,326 sqft (0.26 acres)

Location & Zoning

Street Address	22 HARBOR TERRACE DR
City	RYE
State	NY
Zip	10580-2426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Subdivision	MAP OF HARBOR TERRACE
Legal Block	1
Legal Lot Number	48.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	2
Census Block	2013
Census Tract	7500

Owner

Source: Westchester County and Rye City records · APN 551400 153-6-1-48

Assessment roll updated May 14, 2026 · Last verified August 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 File
Mailing Address	22 HARBOR TERRACE DR, RYE, NY 10580-2426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Prior Sale	Mar 24, 2021 · Amount on Record
Deed Document Number	2021610753551
Record Updated	Sep 20, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Mar 24, 2021
Property Address	22 HARBOR TERRACE DR, RYE, NY 10580-2426
Document Number	0610753551
Map Reference	MAP 2392
Instrument Date	Mar 19, 2021
Instrument	610753551
Transaction Type	Transfer
Record Updated	May 06, 2022
Title Company	BENCHMARK TITLE COMPANY, BENCHMARK TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,320.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 HARBOR TERRACE DR, 22, RYE, NY 10580-2426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 FOREST ST, STAMFORD, CT 06901-2133
Investor	Possibly a Property Investor

Mortgage

Document Number	0610823733
Date	Mar 24, 2021
Instrument	610823733

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Apr 01, 2036
Change Frequency	Annually
Min Rate At Change	1%
Max Rate At Change	7.07%
Index	1-Year LIBOR
Margin	3
Max Rate	12.7%

Tax Assessment & Valuation

Source: Westchester County and Rye City records · Assessment roll updated May 14, 2026 · Last verified August 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

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.

Year	Assessed Value	Assessed Market Value
2025	$19,000 (-) Land $5,150 Building $13,850	$1,610,170 (+6.78%) Land $436,441 Building $1,173,729
2024	$19,000 (-) Land $5,150 Building $13,850	$1,507,936 (+2.38%) Land $408,730 Building $1,099,206
2023	$19,000 Land $5,150 Building $13,850	$1,472,868 Land $399,225 Building $1,073,643

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	50 (1978–2024)
Claims Outside the SFHA	29 of 50
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 4 claims Severe Storms And Flooding, Mar 2010 · 4 claims

Wildfire

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 at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber	980 / 880

Based on FCC filings for 356 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VEOLIA WATER NEW YORK, INC. RD-2 private · serves 57,301 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.