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285 Gainsborg Ave E, West Harrison, NY 10604 Property Records

Westchester County and Harrison Town property record for 285 Gainsborg Ave E, West Harrison, NY 10604

Property Summary

Property TypeDuplex
Details2 ba · 2,652 sqft · built 1932
Lot Size0.16 acres (6,970 sqft)
Owner2 Individual Names on Record
Last Sale$670,000 (Aug 2008)
Tax Bill$14,924 (2026)
Deeds & MortgagesNov 2020 Loan Modification
Nov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN552801 0915.-43

Property Details

APN / Parcel Number

Primary APN552801 0915.-43
Alternative APNs
  • 5528000009150000043
  • 000056710

Interior

Full Baths2 Baths
Stories2 Stories
Building Area2,652 sqft Total Area
1st Floor Area1,379 sqft
2nd Floor Area1,273 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1932
Effective Year BuiltEffective 1932
Architectural StyleOther
Exterior MaterialComposition/Composite
Lot Area6,970 sqft (0.16 acres)
Lot Dimensions100 ft deep x 70 ft wide
PorchSlab

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number000056710
Street Address285 GAINSBORG AVE E
CityWEST HARRISON
StateNY
Zip10604-2003
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal Lot Number43
JurisdictionWESTCHESTER NY
Township / Civil DivisionHARRISON
Census Block Group1
Census Block1009
Census Tract8700

Owner

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 Record2 Individual Names on Record
Mailing Address87 MADISON AVE, VALHALLA, NY 10595-1907
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 20, 2020Loan Modification, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Nov 20, 2020Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 8, 2008 · Amount on Record
Deed SaleAug 8, 2008 · Amount on Record
Deed Document Number2008482120335
Record UpdatedOct 29, 2026

November 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionWESTCHESTER NY
Property Address285 GAINSBORG AVE E, WEST HARRISON, NY 10604-2003
Document Number0603583716
Instrument DateNov 20, 2020
Transaction TypeMortgage
Record UpdatedJan 7, 2021
Title CompanyJUDICIAL TITLE INSURANCE COMPANY, JUDICIAL TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address87 MADISON AVE VALHALLA NY 105951907, VALHALLA, NY 10595-1907

Mortgage

Document Number0603583716
DateDec 23, 2020
Book Page060358/003716
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 22, 2050
Interest
Rate TypeFixed Rate
Rate3.37%

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTCHESTER NY
Property Address285 GAINSBORG AVE E, WEST HARRISON, NY 10604-2003
Document Number0603443773
Instrument DateNov 20, 2020
Transaction TypeMortgage
Record UpdatedDec 22, 2020
Title CompanyJUDICIAL TITLE INSURANCE AGENCY INC, THE JUDICIAL TITLE INS AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address87 MADISON AVE VALHALLA NY 105951907, VALHALLA, NY 10595-1907

Mortgage

Document Number0603443773
DateDec 9, 2020
Book Page060344/003773
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 8, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyWestchester County
County SubdivisionHarrison Town
MunicipalityHarrison Village
Unified School DistrictHarrison Central School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$14,924.00 (-37.92%)
2025$24,040.00$8,880 (-) Land $1,700 Building $7,180$765,518 (-2.59%) Land $146,552 Building $618,966
2024$8,880 (-) Land $880 Building $8,000$785,841 (+3.54%) Land $77,876 Building $707,965
2023$8,880 Land $880 Building $8,000$758,975 Land $75,214 Building $683,761

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims1 (1982)
Most Recent ClaimSep 1982 · tidal / storm surge

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 RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWESTCHESTER JOINT WATER WORKS
serves 59,629 people · EPA ID NY5903435
Water SourceSurface water
Last State InspectionMar 2025
Lead3 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityFailure to filter
currently in violation since Jun 1993
Haloacetic acids
resolved · Jul 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 221 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Optimum
Fiber · Cable		8,000 / 8,000
Verizon
Fiber · Fixed Wireless in parts of the area		2,300 / 2,300

Cell Coverage

5G (outdoors only) and 4G LTE

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