Westchester County and Rye City property record for 276 Locust Ave, Rye, NY 10580
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 4,361 sqft · built 1978 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $3,200,000 (Sep 2017) |
| Tax Bill | $59,709 (2026) |
| Deeds & Mortgages | May 2020 Loan Modification May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 551400 146-6-1-44 |
| Primary APN | 551400 146-6-1-44 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,361 sqft Living Area |
| 1st Floor Area | 2,719 sqft |
| 2nd Floor Area | 1,642 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 43,560 sqft (1 acres) |
| Cooling System | Central |
|---|
| Street Address | 276 LOCUST AVE |
|---|---|
| City | RYE |
| State | NY |
| Zip | 10580-1635 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 1 |
| Legal Lot Number | 44.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | RYE |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 7700 |
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 | 276 LOCUST AVE, RYE, NY 10580-1635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 28, 2020 | Loan Modification, Mortgage BANK OF AMERICA |
| May 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2017 · Amount on Record |
| Deed Sale | Sep 28, 2017 · Amount on Record |
| Deed Document Number | 2017572633034 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 276 LOCUST AVE, RYE, NY 10580-1635 |
| Document Number | 0601753120 |
| Instrument Date | May 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2020 |
| Title Company | LINCOLN LAND SERVICES, LINCOLN LAND SVCS |
| Name | Verified Name |
|---|---|
| Address | 276 LOCUST AVE RYE NY 105801635, RYE, NY 10580-1635 |
| Document Number | 0601753120 |
|---|---|
| Date | Jun 26, 2020 |
| Book Page | 060175/003120 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280-0002 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 276 LOCUST AVE, RYE, NY 10580-1635 |
| Document Number | 0601753118 |
| Instrument Date | May 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2020 |
| Title Company | LINCOLN LAND SERVICES, LINCOLN LAND SVCS |
| Name | Verified Name |
|---|---|
| Address | 276 LOCUST AVE RYE NY 105801635, RYE, NY 10580-1635 |
| Document Number | 0601753118 |
|---|---|
| Date | Jun 26, 2020 |
| Book Page | 060175/003118 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
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 City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $59,709.00 (+8.95%) | ||
| 2025 | $54,805.00 | $47,100 (-) Land $15,750 Building $31,350 | $3,991,526 (+6.78%) Land $1,334,746 Building $2,656,780 |
| 2024 | $47,100 (-) Land $15,750 Building $31,350 | $3,738,095 (+2.38%) Land $1,250,000 Building $2,488,095 | |
| 2023 | $47,100 Land $15,750 Building $31,350 | $3,651,163 Land $1,220,930 Building $2,430,233 |
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 98 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 100 units insured incl. 2 condo units |
| Nearby Flood Claims | 559 (1978–2023) |
| Claims Outside the SFHA | 44 of 559 |
| 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 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 980 / 880 |
| Optimum Cable | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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