3 Adelaide St, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 3 Adelaide St, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,358 sqft · built 1981
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$825,000 (Jan 2012)
Tax Bill	$23,643 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`551400 146-15-3-48`

Property Details

APN / Parcel Number

Primary APN	`551400 146-15-3-48`
Alternative APN	`140014601500030480000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,358 sqft Living Area
1st Floor Area	2,358 sqft
Upper Floors Area	759 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Level
Exterior Material	Wood
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3 ADELAIDE ST
City	RYE
State	NY
Zip	10580-3701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Subdivision	RYAN PARK
Legal Block	3
Legal Lot Number	48.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	1
Census Block	1012
Census Tract	7600

Owner

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	3 ADELAIDE ST, RYE, NY 10580-3701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Line of Credit TD BANK
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Aug 26, 2020	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2012 · Amount on Record
Deed Sale	Jan 30, 2012 · Amount on Record
Prior Sale	Jul 28, 2004 · Amount on Record
Deed Document Number	2012520193203
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Recording Date	Sep 18, 2026
Property Address	3 ADELAIDE ST, RYE, NY 10580-3701
Document Number	0000003064
Instrument Date	Jul 20, 2026
Instrument	20263064
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	SERVICELINK, SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ADELAIDE ST, RYE, NY 10580-3701

Mortgage

Document Number	0000003064,
Date	Sep 18, 2026
Instrument	20263064

Lender

Name	TD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2056

Interest

Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	3 ADELAIDE ST, RYE, NY 10580-3701
Transaction Type	Mortgage
Record Updated	Sep 27, 2022
Title Company	SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ADELAIDE ST, RYE, NY 10580-3701

Mortgage

Document Number	0601883045
Date	Jul 6, 2020
Instrument	601883045

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	3 ADELAIDE ST, RYE, NY 10580-3701
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	QUICKSILVA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0600843384
Date	Aug 26, 2020
Instrument	600843384

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	3 ADELAIDE ST, RYE, NY 10580-3701
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	QUICKSILVA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0600843383
Date	Aug 26, 2020
Instrument	600843383

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Westchester County and Rye City assessment roll, as of May 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$23,643.00 (-54.85%)
2025	$52,361.00	$18,650 (-) Land $4,700 Building $13,950	$1,580,508 (+6.78%) Land $398,305 Building $1,182,203
2024		$18,650 (-) Land $4,700 Building $13,950	$1,480,159 (+2.38%) Land $373,016 Building $1,107,143
2023		$18,650 Land $4,700 Building $13,950	$1,445,736 Land $364,341 Building $1,081,395

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 62 policies
Nearby Flood Policies	62 in force
Nearby Flood Claims	88 (1978–2023)
Claims Outside the SFHA	44 of 88
Most Recent Claim	Sep 2023 · Severe Storm And Flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Sandy, Oct 2012 · 19 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 17 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 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 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.

Drinking Water

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

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, 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 413 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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