Westchester County and Mount Vernon City property record for 278 E Prospect Ave, Mount Vernon, NY 10550
| Property Type | Triplex |
|---|---|
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $649,000 (Jul 2018) |
| Tax Bill | $17,362 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage Nov 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 550800 165.64-2059-9 |
| Primary APN | 550800 165.64-2059-9 |
|---|---|
| Alternative APNs |
|
| Architectural Style | Triplex |
|---|---|
| Lot Area | 10,019 sqft (0.23 acres) |
| Account Number | 035770 |
|---|---|
| Street Address | 278 E PROSPECT AVE |
| City | MOUNT VERNON |
| State | NY |
| Zip | 10550-1654 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Subdivision | PLAN OF MAP OF CHESTER HILL MOUNT VERNON |
| Legal Block | 2059 |
| Legal Lot Number | 9.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | MOUNT VERNON |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 4002 |
Source: Westchester County and Mount Vernon City assessment roll, 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 | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 62182, BALTIMORE, MD 21264-2182 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2019 | Deed of Trust, Mortgage · FHA Mortgage JET DIRECT FNDG |
| Nov 18, 2019 | Loan Modification, Mortgage · FHA Mortgage JET DIRECT FNDG |
| Jul 27, 2018 | Bargain and Sale Deed, Transfer · FHA Mortgage UNITED NORTHERN MORTGAGE BANKERS LI |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 27, 2018 · Amount on Record |
| Deed Sale | Jul 27, 2018 · Amount on Record |
| Prior Sale | Aug 9, 2002 · Amount on Record |
| Deed Document Number | 2018581793681 |
| Prior Transfer Date | Aug 26, 2006 |
| Prior Transfer Doc | 0463100302 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 278 E PROSPECT AVE, MOUNT VERNON, NY 10550-1654 |
| Document Number | 0600433442 |
| Instrument Date | Nov 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2020 |
| Title Company | APPELLATE LAND SERVICES LIMITED, APPELLATE LAND SVCS LTD |
| Name | Verified Name |
|---|---|
| Address | 278 E PROSPECT AVE MOUNT VERNON NY 105501654, MOUNT VERNON, NY 10550-1654 |
| Document Number | 0600433442 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 060043/003442 |
| Name | JET DIRECT FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | BAY SHORE, NY 11706 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 11, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 278 E PROSPECT AVE, MOUNT VERNON, NY 10550-1654 |
| Document Number | 0600433443 |
| Instrument Date | Nov 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2020 |
| Title Company | APPELLATE LAND SERVICES LIMITED, APPELLATE LAND SVCS LTD |
| Name | Verified Name |
|---|---|
| Address | 278 E PROSPECT AVE MOUNT VERNON NY 105501654, MOUNT VERNON, NY 10550-1654 |
| Document Number | 0600433443 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 060043/003443 |
| Name | JET DIRECT FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | BAY SHORE, NY 11706 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 11, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Jul 27, 2018 |
| Property Address | 278 E PROSPECT AVE, MOUNT VERNON, NY 10550-1654 |
| Document Number | 0581793681 |
| Map Reference | MAP605 |
| Instrument Date | Jul 16, 2018 |
| Instrument | 581793681 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2022 |
| Title Company | JUDICIAL TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,596.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 278 E PROSPECT AVE, 278, MOUNT VERNON, NY 10550-1654 |
| Name | Verified Name |
|---|---|
| Address | 110 BARNWELL DR, WHITE PLAINS, NY 10607-1704 |
| Document Number | 0582003243 |
|---|---|
| Date | Jul 27, 2018 |
| Instrument | 582003243 |
| Name | UNITED NORTHERN MORTGAGE BANKERS LI |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
Source: Westchester County and Mount Vernon City assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| Municipality | Mount Vernon City |
| Unified School District | Mount Vernon School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $17,362.00 | $8,774 (-) Land $4,387 Building $4,387 | $487,444 (+6.67%) Land $243,722 Building $243,722 |
| 2024 | $8,774 (-) Land $4,387 Building $4,387 | $456,980 (-10.94%) Land $228,490 Building $228,490 | |
| 2023 | $8,774 Land $4,387 Building $4,387 | $513,100 Land $256,550 Building $256,550 |
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 |
| Nearby Flood Policies | 2 in force |
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 | Not rated no burnable land within ember reach |
|---|
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MOUNT VERNON WATER DEPARTMENT serves 73,893 people · EPA ID NY5903441 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2025 |
| Lead | 7 ppb (2025–2027) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 656 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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